FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Businesses need banking that functions as efficiently as the operations behind it. Tanager gives businesses access to modern banking technology and local bankers who are aware of industries that require cash management services, seasonal economies, and the operational complexity that can come with doing business across the West.
ZELLE® coming soon
Move money faster through expanded payment capabilities designed for modern business management.
Bill PAY
Online Bill Pay is our digital service that allows businesses the option to pay their bills online.
Banking Locally Matters
Your deposits stay in Wyoming. We reinvest in local businesses, families, and infrastructure — strengthening the community where you operate. Every dollar you bank with us helps build the place you call home.
Relationship-Based Banking
Your banker knows your name, your business model, and your goals. We take time to understand your cash flow cycle, seasonal needs, and growth plans — so we can offer solutions that actually fit your business.
The Tanager Difference
Local decision-making, no corporate red tape, and real people who answer the phone. We’re not a branch of a national bank — we’re a Wyoming institution built to serve Wyoming businesses on Wyoming terms.
Fourth Option Here
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| Feature | Essentials | Growth | Interest Checking | Business Money Market | Business Savings |
|---|---|---|---|---|---|
| Monthly Fee | $0 | $20 | $30 | $15 | $10 |
| Minimum Deposit To Open | $0 | $500 | $500 | $500 | $500 |
| Min. Balance Service Charge Waiver Requirement | None | $2,500 | $5,000 | $10,000 | $1,000 |
| Transactions Included | 100/Month | Unlimited | Unlimited | 6* | 6* |
| Excess Transaction Fee | $0.35 | $0 | $0 | $5 | $5 |
| Grace Period | |||||
| Earns Interest | No | No | Yes-Tiered | Yes-Tiered | Yes- Flat |
| Early WD Penalty | |||||
| Checks | No | Yes | Yes | No | |
| Digital Banking | |||||
| Mobile Deposit | |||||
| Zelle Business | N/A | ||||
| Online Banking | |||||
| Debit Card | Optional | Optional | |||
| Bill Pay | N/A | N/A | |||
| CashFlow Central | |||||
| ACH Origination | $15/Month | N/A | N/A | ||
| Positive Pay | $25/Month | N/A | N/A | ||
| Wire Transfers | In Branch-Outgoing $30 | Outgoing $25 | Outgoing $25 | Outgoing $30 | Outgoing $30 |
| Remote Deposit Capture | $25/Month | $25/Month | N/A | N/A | |
| Bundle Fee for Select | $30 | ||||
| Value-Adds | |||||
| Cash Flow Central | $60/Month | $60/Month | N/A | N/A | |
| Interest on DDA | Tiered Rates | ||||
*These include transactions made by online banking, mobile banking, automatic transfers, telephone transfers, overdraft transfers, ACH payments, or checks/drafts. Withdrawals made in person at a branch or ATM withdrawals are generally not counted toward this limit.
| Essentials | |
|---|---|
| Monthly Fee | $0 |
| Minimum Balance | $0 |
| Fee Waiver | None |
| Transactions Included | 100/Month |
| Excess Transaction Fee | $0.35 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | |
| Treasury Management | |
| ACH Origination | |
| Positive Pay | |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | |
| Sweep Trigger Balance | N/A |
| Interest on DDA | |
| Dedicated RM | Shared |
| Growth | |
|---|---|
| Monthly Fee | $20 |
| Minimum Balance | $5,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | Unlimited |
| Excess Transaction Fee | $0 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | Free |
| Treasury Management | |
| ACH Origination | $15/Month |
| Positive Pay | $25/Month |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | $25/Month |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | $60/Month |
| Sweep Trigger Balance | Maintain Min |
| Interest on DDA | |
| Dedicated RM | Shared |
| Select | |
|---|---|
| Monthly Fee | $30 |
| Minimum Balance | $25,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | Unlimited |
| Excess Transaction Fee | $0 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | Free |
| Treasury Management | |
| ACH Origination | |
| Positive Pay | |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | $25/Month |
| Bundle Fee for Select | $30 |
| Value-Adds | |
| Cash Flow Central | $60/Month |
| Sweep Trigger Balance | Maintain Min |
| Interest on DDA | |
| Dedicated RM | Shared |
| Interest Checking | |
|---|---|
| Monthly Fee | $30 |
| Minimum Balance | $50,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | Unlimited |
| Excess Transaction Fee | $0 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | Free |
| Treasury Management | |
| ACH Origination | |
| Positive Pay | |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | $25/Month |
| Bundle Fee for Select | $30 |
| Value-Adds | |
| Cash Flow Central | $60/Month |
| Sweep Trigger Balance | Maintain Min |
| Interest on DDA | |
| Dedicated RM | Shared |
| Business MMA | |
|---|---|
| Monthly Fee | $15 |
| Minimum Balance | $10,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | 6 |
| Excess Transaction Fee | $5 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | N/A |
| Online Banking | |
| Debit Card | Optional |
| Bill Pay | N/A |
| Treasury Management | |
| ACH Origination | N/A |
| Positive Pay | N/A |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | N/A |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | N/A |
| Sweep Trigger Balance | N/A |
| Interest on DDA | Tiered Rates |
| Dedicated RM | N/A |
| Business Savings | |
|---|---|
| Monthly Fee | $15 |
| Minimum Balance | $10,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | 6 |
| Excess Transaction Fee | $5 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | N/a |
| Online Banking | |
| Debit Card | Optional |
| Bill Pay | N/A |
| Treasury Management | |
| ACH Origination | N/A |
| Positive Pay | N/A |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | N/A |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | N/A |
| Sweep Trigger Balance | N/A |
| Interest on DDA | Tiered Rates |
| Dedicated RM | N/A |
*These include transactions made by online banking, mobile banking, automatic transfers, telephone transfers, overdraft transfers, ACH payments, or checks/drafts. Withdrawals made in person at a branch or ATM withdrawals are generally not counted toward this limit.
| Feature | Public Free Checking | Public Interest Checking | Public Savings | Public Money Market | Public Funds Certificate of Deposit |
|---|---|---|---|---|---|
| Monthly service charge | $0 | $15.00 | $0.00 | $15.00 | |
| Minimum deposit to open | $0 | $500.00 | $500.00 | $2,500.00 | $500.00 |
| Min. balance service charge waiver requirement | $0 | $10,000.00 | $0.00 | $10,000.00 | |
| Transactions Included | Unlimted | 6* | 6* | 6* | |
| Excess Transaction Fee | $0 | $5.00 | $5.00 | $5.00 | |
| Grace Period | 10 Calendar days after the maturity date | ||||
| Earns Interest | No | Yes - tiered | Yes - flat | Yes - tiered | Yes - flat |
| Early WD Penalty | 3 months worth of Interest on the amount withdrawn | ||||
| Checks | Yes | Yes | No | Yes | No |
| Digital Banking | |||||
| Mobile Deposit | |||||
| Zelle Business | N/A | N/A | |||
| Online Banking | Yes, with Admin Control (multiple users) | Yes | |||
| Debit Card | Optional | Optional | Optional | ||
| Bill Pay | N/A | N/A | N/A | ||
| CashFlow Central | |||||
| ACH Origination | |||||
| Positive Pay | |||||
| Wire Transfers | Outgoing $30 | ||||
| Remote Deposit Capture | |||||
| Bundle Fee for Select | N/A | $30 | |||
| Value-Adds | |||||
| Cash Flow Central | |||||
*These include transactions made by online banking, mobile banking, automatic transfers, telephone transfers, overdraft transfers, ACH payments, or checks/drafts. Withdrawals made in person at a branch or ATM withdrawals are generally not counted toward this limit.
| Essentials | |
|---|---|
| Monthly Fee | $0 |
| Minimum Balance | $0 |
| Fee Waiver | None |
| Transactions Included | 100/Month |
| Excess Transaction Fee | $0.35 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | |
| Treasury Management | |
| ACH Origination | |
| Positive Pay | |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | |
| Sweep Trigger Balance | N/A |
| Interest on DDA | |
| Dedicated RM | Shared |
| Growth | |
|---|---|
| Monthly Fee | $20 |
| Minimum Balance | $5,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | Unlimited |
| Excess Transaction Fee | $0 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | Free |
| Treasury Management | |
| ACH Origination | $15/Month |
| Positive Pay | $25/Month |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | $25/Month |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | $60/Month |
| Sweep Trigger Balance | Maintain Min |
| Interest on DDA | |
| Dedicated RM | Shared |
| Select | |
|---|---|
| Monthly Fee | $30 |
| Minimum Balance | $25,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | Unlimited |
| Excess Transaction Fee | $0 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | Free |
| Treasury Management | |
| ACH Origination | |
| Positive Pay | |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | $25/Month |
| Bundle Fee for Select | $30 |
| Value-Adds | |
| Cash Flow Central | $60/Month |
| Sweep Trigger Balance | Maintain Min |
| Interest on DDA | |
| Dedicated RM | Shared |
| Interest Checking | |
|---|---|
| Monthly Fee | $30 |
| Minimum Balance | $50,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | Unlimited |
| Excess Transaction Fee | $0 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | |
| Debit Card | |
| Bill Pay | Free |
| Treasury Management | |
| ACH Origination | |
| Positive Pay | |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | $25/Month |
| Bundle Fee for Select | $30 |
| Value-Adds | |
| Cash Flow Central | $60/Month |
| Sweep Trigger Balance | Maintain Min |
| Interest on DDA | |
| Dedicated RM | Shared |
| Business MMA | |
|---|---|
| Monthly Fee | $15 |
| Minimum Balance | $10,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | 6 |
| Excess Transaction Fee | $5 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | N/A |
| Online Banking | |
| Debit Card | Optional |
| Bill Pay | N/A |
| Treasury Management | |
| ACH Origination | N/A |
| Positive Pay | N/A |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | N/A |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | N/A |
| Sweep Trigger Balance | N/A |
| Interest on DDA | Tiered Rates |
| Dedicated RM | N/A |
| Business Savings | |
|---|---|
| Monthly Fee | $15 |
| Minimum Balance | $10,000 |
| Fee Waiver | Min Balance Met |
| Transactions Included | 6 |
| Excess Transaction Fee | $5 |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | N/a |
| Online Banking | |
| Debit Card | Optional |
| Bill Pay | N/A |
| Treasury Management | |
| ACH Origination | N/A |
| Positive Pay | N/A |
| Wire Transfers | Outgoing $25 |
| Remote Deposit Capture | N/A |
| Bundle Fee for Select | |
| Value-Adds | |
| Cash Flow Central | N/A |
| Sweep Trigger Balance | N/A |
| Interest on DDA | Tiered Rates |
| Dedicated RM | N/A |
*These include transactions made by online banking, mobile banking, automatic transfers, telephone transfers, overdraft transfers, ACH payments, or checks/drafts. Withdrawals made in person at a branch or ATM withdrawals are generally not counted toward this limit.
| Feature | Non-Profit Free Checking |
|---|---|
| Monthly service charge | $0.00 |
| Minimum deposit to open | $100.00 |
| Min. balance service charge waiver requirement | None |
| Transactions Included | Unlimited |
| Excess Transaction Fee | N/A |
| Earns Interest | No |
| Checks | Yes |
| Digital Banking | |
| Mobile Deposit | |
| Zelle Business | |
| Online Banking | Yes, with Admin Control (multiple users) |
| Debit Card | |
| Bill Pay | |
| CashFlow Central | |
| ACH Origination | |
| Positive Pay | |
| Wire Transfers | Outgoing $30 |
| Remote Deposit Capture | |
| Cash Flow Central | Free (Basic) |
MOBILE BANKING APP
Deposit checks, transfer funds, pay bills, and manage accounts from anywhere — all from the Tanager mobile app on iOS and Android.
FULL-FEATURED ONLINE BANKING
Account management, ACH origination, wire transfers, bill pay, and detailed reporting — all from your desktop browser. No software to install.
OVERDRAFT PROTECTION
Link your savings account or line of credit to your business checking for automatic overdraft coverage — so a timing issue never disrupts your operations.
BUSINESS LENDING
Explore term loans, lines of credit, commercial real estate financing, and Small Business Administration (SBA) options with local decision making.
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Sophisticated cash management — wire transfers, ACH origination, positive pay fraud protection, remote deposit capture, and treasury management tools that scale with your business.