Enterprise Bank & Trust

Commercial bank · Clayton, United States

Enterprise Bank & Trust is a Missouri state-chartered commercial bank founded in 1988 and owned by Enterprise Financial Services Corp, which trades on Nasdaq. At 30 June 2026 it held USD 17.36 billion of assets and USD 14.73 billion of domestic deposits across 57 offices in Missouri, Arizona, California, Kansas, New Mexico, Nevada and Florida. It sells eight named business checking accounts, sweep and concentration products including IntraFi insured cash sweep, a business credit card with virtual cards and adjustable limits, SBA loans under the Preferred Lender programme, and international services that it says it processes in house rather than passing to a larger bank. Nine specialised lending desks cover aircraft finance, community associations, escrow and legal, life insurance premium finance, professional practices, property management, registered investment advisers, sponsor finance and tax credits.

Legal name: Enterprise Bank & Trust
Regulated by: Federal Reserve (state member bank), FDIC (deposit insurance, certificate 27237), Missouri Division of Finance
Licence confirmed: yes, on a regulator's own list
Established: 1988
Website: www.enterprisebank.com

Scores, 0 to 10

7.0United States

57 offices across Missouri, Arizona, California, Kansas, New Mexico, Nevada and Florida holding USD 14.73 billion of domestic deposits at 30 June 2026, with ACH, wires and remote deposit for business clients. · source

7.0Financial strength & stability

USD 17.36 billion of assets, a 13.11% total risk-based capital ratio, 12.07% tier 1 risk-based capital and 1.11% return on assets at 30 June 2026. · source

6.5Customer satisfaction

The Enterprise Going Mobile app scores 4.24 out of 5 from 2,478 US App Store ratings. · source

6.5Business cards (Visa, Mastercard)

The business credit card programme issues virtual cards, adjusts limits and closes cards from one console and pays unlimited 1.5% back, for a USD 50 annual fee at 19.25% interest. · source

6.0Cross-border payments, FX and multi-currency accounts

Foreign exchange spot and forward contracts, international wire payments in US dollars or foreign currency and foreign cheque deposits, all stated to be processed in house, but with no published margin or currency list. Treasury management covers same-day sweeps in four flavours, remote deposit, commercial online banking, ACH positive pay and corporate cards, but only in US dollars in one country. · source

6.0Trade, manufacturing & import-export

Commercial and standby letters of credit and documentary collections are offered for importers and exporters and processed in house, though from a seven-state US footprint with no overseas offices. · source

5.0Best interest on business balances

Excess balances can be swept same day into money market, repo or loan sweeps and into IntraFi insured cash sweep, but no annual percentage yield is published for any of them. · source

5.0Startups & VC-backed companies

The bank is approved under the SBA Preferred Lender programme and runs a sponsor finance desk for private equity buyers, but publishes no pre-revenue or venture product. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: the bank sells no crypto, publishes no rule on business payments to crypto exchanges and no reports of blocked exchange transfers were found, checked September 2026. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: no source-of-funds process for crypto proceeds is published and no reports of returned exchange wires at Enterprise Bank & Trust were found, checked September 2026. · source

4.5Lowest fees

Eight business checking accounts are listed with only prose descriptions such as no minimum balance and minimal monthly transactions; no monthly fee or per-item price is published for any of them. · source

4.5Fast digital onboarding

Every business product page ends with a phone number and a contact form for a banker rather than an online application, and no time to open an account is published. · source

4.0Online businesses: e-commerce and SaaS

Merchant services are offered through a partnership with Basys for card acceptance; there is no multi-currency collection account or marketplace payout product. A software company is treated as any other business: no banking API, no accounting or payment-platform integration and no foreign currency receiving account is published. · source

3.5Fintech companies that need a partner bank

Correspondent banking is offered to other community banks with money market accounts, international banking and letters of credit, but nothing is published on safeguarding accounts, sponsor banking or rail access for payment firms. · source

3.0Crypto-friendly bank

The bank publishes no policy on crypto exchanges, brokers or miners; its nine specialised banking verticals run from aircraft finance to tax credits and none covers digital assets. · source

3.0Foreign-owned & non-resident companies

No policy is published for companies whose owners or directors live abroad, and account opening runs through a local banker in one of seven states. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

No acceptable use or prohibited business list covering gambling, cannabis, adult content or forex brokers is published, so no onboarding path is stated for any of them. · source

1.0Crypto wallet and custody for a business

No crypto custody or wallet for business clients: the bank's site search returns no results for crypto, bitcoin or stablecoin, and parent Enterprise Financial's SEC filings since 2025 never mention digital assets, checked September 2026. · source

1.0Accept crypto payments

No crypto acceptance for merchants appears on its business pages or in site search, and its filings since 2025 never mention crypto, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, custody or funds for business clients: site search for bitcoin returns nothing and no SEC filing since 2025 mentions it, checked September 2026. · source

1.0Ethereum

No ether product of any kind appears on the bank's pages or in its SEC filings since 2025, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement network membership: site search for stablecoin returns nothing and no SEC filing since 2025 mentions it, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.