Competitive Edge Checking

Competitive Edge CheckingTM blends bank benefits with payroll services, merchant services, and cash management to deliver premier business tools in one highly-efficient checking package.


  • Competitive interest rates that increase as your balance grows1
  • Up to 500 free transactions each month2
  • Unlimited Business Check cards (no monthly service charge)
  • Small Business Online Banking and Bill Payment (no monthly service charge)
  • Business Owner Signature Relationship Checking for the business owner (limit one per owner)
  • No fee overdraft protection transfers from a linked checking, savings or line of credit3
  • No withdrawal fee when you use a non-National Penn ATM4
  • Access to our team of business advisors

Cash Management Solutions

Discounted financial services:


No monthly service charge if you meet any ONE of the following:

  • $15,000 minimum daily balance
  • Enroll in any cash management service except the business online banking package7

Or chose a flat rate of $9.95 per month.

Visit a branch near you to open an account!

$50 minimum opening deposit

1Interest is compounded and credited monthly

2Transactions include checks paid or deposited and incoming ACH debits and credits. $0.35 transaction fee for each item exceeding 500 transactions each month (deposit slips are NOT counted)

3Ask about other overdraft services available.

4Other financial institutions may charge a surcharge for use of their ATM.

5Monthly fee for transaction only is $5 (regularly $12); for transaction and bill payment is $9 (regularly $18). Quicken® and QuickBooks® are registered trademarks of Intuit products.

6Some conditions apply: Clients must have an active National Penn Competitive Edge Checking account, meet all qualifying criteria and have a credit approved National Penn merchant processing account with a traditional in-store terminal to obtain the free First Data Mobile Pay Encrypted Card Reader. National Penn has contracted with First Data to bring merchant services to you.

7Enrollment into services are subject to bank approval.

$2 per month for check images with account statement.

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