Business Solutions

Checking


Business Complete Checking

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For businesses with higher transaction volumes. Provides complete access to online services to manage your cash flow and payments.
Benefits
  • Relationship account with two options to waive the monthly maintenance fee.
  • 500 combined transactions at no charge per monthly statement cycle.
  • Free cash processing first $20,000 per statement cycle.
  • Free Online and Mobile 1 Banking with multiple user access and unlimited Bill Payment and P2P transactions.
Monthly Maintenance Fee, $25
Waived if you maintain a $25,000 average monthly balance or average monthly relationship balance of $50,000 per statement cycle.
Fees and Account Details

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1
Message and data fees may apply.


Business Essentials Checking

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Enhanced functionality with the ability to add à la carte extras to help manage cash flow and payments.
Benefits
  • Relationship account with two options to waive the monthly maintenance fee.
  • 250 combined transactions at no charge per monthly statement cycle.
  • Free cash processing first $10,000 per statement cycle.
  • Free Online and Mobile 1 Banking and unlimited Bill Payment and P2P transactions.
Monthly Maintenance Fee, $14
Waived if you maintain a $10,000 average monthly balance or average monthly relationship balance of $20,000 per statement cycle.
Fees and Account Details

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1
Message and data fees may apply.


Business Basic Checking

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A stand-alone account tailored for businesses with a low balance and low monthly volume of transactions
Benefits
  • 100 combined transactions at no charge per monthly statement cycle.
  • Free cash processing first $3,000 per statement cycle.
  • Free Online and Mobile 1 Banking and unlimited Bill Payment and P2P transactions.
Monthly Maintenance Fee
No.

Fees and Account Details

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1
Message and data fees may apply.





High Yield Savings and Money Market Accounts

Savings solutions can help you meet your cash flow strategy and long-term goals.

Business Solutions High Yield Savings

Benefits
  • $100 minimum to open.
  • First 25 deposited items are free, then $0.50 per item. 2
  • Higher rates for higher balances.
Monthly Maintenance Fee, $5
Waived if you maintain a $500 average daily balance per statement cycle.
Fees and Account Details

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Business Solutions Money Market Account

Benefits
  • $1,000 minimum to open.
  • First 25 deposited items are free, then $0.50 per item. 2
  • Easy access to funds, up to six checks or transfers in any combination, per month.
Monthly  Maintenance Fee, $5
Waived if you maintain a $500 average daily balance per statement cycle.
Fees and Account Details

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2
This fee applies regardless of the balances maintained in the account.

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Online Banking and Payments 

Online Banking User Guide
Online Banking Video Tutorials - Demo
Business Bill Payment & Payroll Demo

Your basic tool to manage your finances.

Your day isn’t 9:00 to 5:00 – neither is Business Online Banking.

  • Single-user access
  • View personal and business accounts
  • View image statements and check images
  • Account detail consistently updated
  • Export transaction detail for reconciliation and financial management software
  • Stay alert to activity in your accounts. Notifications via email or SMS text when selected events occur
  • Online payments
  • Online Money Management
  • Text Banking
  • Mobile App and Mobile Check Deposit

BASIC Online. The Basic Tool plus access to unlimited Bill Payment and Person-to-Person (P2P) Payments.


ESSENTIALS & COMPLETE Online. All of the Basic Online, plus:

  • External transfers.
  • Access to electronic tax payments.
  • Additional ID’s available.
    • Essentials Online includes 2 free ID's
    • Complete Online includes 3 free ID's
  • P2P and Business Bill Payment unlimited payments with dual control functionality.
  • Access to direct deposit for payroll unlimited payments.
Learn about Online Security and Fraud Protection



Collecting and Managing Payments

For the day-to-day cash management of your business.

Checks. The default payment method for many businesses. You can control when you write, mail or hand them out. But you can’t control when they will clear your account or who may steal your bank account and information. Learn More

Bill payment and Person-to-Person (P2P). Your business banking account includes access to unlimited transactions. When possible it will send payments electronically, reducing the opportunity for check fraud. Learn More

Tax Payment3 . You may always use the EFTPS service to authorize payment of your taxes. Or, schedule and initiate your business tax payments to control the amount and date funds are debited to your account.


Payroll Direct Deposit 3 . Segregate payroll from other transactions and offer direct deposit for your employees.

Credit and Debit Cards. Cards provide the ultimate convenience for purchases and payment of services. Learn how the Business Credit Card can optimize your business cash flow.

Domestic and International Wire Payments. We provide complete domestic and international wire offerings. Layered security helps to protect our customers from fraud. International Wire Payments in vendors' foreign currency can help you negotiate the best price and reduce foreign exchange risk. Our SWIFT service helps navigate foreign payments more efficiently. Business Complete Checking customers receive two monthly incoming domestic wires at no cost.

Merchant Services . Accepting card payments provides expedited cash flow and allows your customers to take advantage of their card reward programs.

Check image deposit. Deposit checks from a compatible mobile device or your desktop computer. Choose between Mobile check deposit and eDeposit, based on your needs. Learn More

3 The Essentials Online Banking upgrade and Complete Online Banking allows access to the tax payment and payroll modules.

Have more complex needs? Visit with one of our Business Bankers for more solutions.

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Credit Card


SMALL BUSINESSES THAT USE CARDS NOTICE DRAMATIC IMPROVEMENTS.

A business credit card gives you control over who spends money, how much they spend and what they purchase.

  • Pay no interest when you pay your balance in full.
  • Adds 25–55 days to your payables cash cycle and offers great rewards.
  • No Annual Fee.

Optimize your business cash flow with these features and benefits.


VISA® Business Credit Card

FEATURES

  • No annual fee
  • Low variable rate 
  • Spending limit based on your company’s needs 
  • Spending controls (e.g. restrict to fuel only purchases) 
  • GoToMyCard
  • Verified by Visa® online shopping protection 4  
  • Zero liability for unauthorized  transactions 5
  • Billing options 
  • Fraud protection 

BENEFITS

  • Fraud monitoring 
  • Visa® merchant discounts 
  • Purchase security and extended protection
  • Auto rental collision damage waiver 
  • Travel and emergency assistance services 
  • Roadside dispatch (pay per use) 
  • Business reporting 

REWARDS

Earn reward points on qualifying purchases


Visa SavingsEdge®

A No Fee service provided to our Visa® Business Credit Card holders. This service provides enrolled cardholders automatic discounts on qualifying purchases at participating merchants. Discounts require no coupons or codes. Qualifying purchases at participating merchants earn credits that are applied directly to your card statement.

The Visa SavingsEdge® mobile app is available to help you find discounts near you. Search for savings by Zip code, keyword, featured deals, or just browse what’s near you. Savings are never far away! Learn more at the Visa SavingsEdge website .

4 Verified by Visa.
You must notify us immediately of any unauthorized use.

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Working Capital and Financing

Understanding the types of SBA Loans

Whether you are starting, expanding or funding current operations, we have a financing option that can be tailored to your needs—with quick turnaround times.
Rather than depleting personal savings or retained business earnings, evaluate the benefits of utilizing one of the many business loan services as part of your banking relationship. You have access to a variety of short and long-term options. As a community bank, we are committed to helping businesses and communities grow.

For any loan under $50,000, we offer a streamlined and fast approval process.

LINE OF CREDIT
Working Capital Lines Equipment Lines

1–5 year, variable rate
$25,000 – $500,000

Collateral:  Business assets, specific equipment, real estate, liquid assets (CDs or savings)
Repayment:  Monthly

TERM LOAN
Equipment Loans, Vehicle Loans Cash Secured Loans

Up to 7 years, fixed or variable rate
$10,000 – $500,000

Collateral:  Business assets, specific equipment, real estate, liquid assets (CDs or savings)
Repayment:  Monthly

COMMERCIAL MORTGAGE
Owner Occupied, Mixed Use Investment

5-year, fixed or variable rate based on a 10-year, 15-year or 20-year amortization
$25,000 – $500,000

Collateral:  Real Estate Repayment:  Monthly

SMALL BUSINESS CREDIT CARD

Variable rate
$2,500 – $25,000

Collateral:  Unsecured Repayment:  Monthly, revolving

COMMERCIAL CREDIT CARD

Variable rate
$25,000 – $500,000

Collateral:  All assets Repayment:  Monthly, pay-in-full

BUSINESS CREDIT MANAGER
Overdraft Protection, Small Line of Credit

Revolving term, fixed rate – due on demand

Collateral:  Unsecured Repayment:  Monthly

LETTER OF CREDIT
Bank Guarantee of Funds

Up to 2 years
$10,000 – $500,000

Collateral:  Liquid assets (CDs or savings)

LEASING SOLUTIONS Alternative to Purchase of New or Used Equipment

3–7 year, fixed or variable rate
$10,000 – $500,000

Collateral:  Business assets, specific equipment, real estate, liquid assets (CDs or savings)
Repayment:  Monthly


Visit with one of our Business Bankers to find the right solution for your financial situation.

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