Business Banking

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Internet Banking

Take care of your banking needs with Internet Banking for Business - our easy to use, convenient, and secure Internet banking service. It gives you 24/7 access to your accounts, plus the option to pay bills online. No software is needed - just Internet access using a web browser that supports 128-bit encryption.

Internet Banking for Business

  • No Charge
  • Review current and historical deposit activity
  • Transfer funds between your existing deposit accounts and eligible loans
  • View current and historical loan activity
  • Reconcile accounts
  • Submit change of address, reorder checks, place stop payments

Internet Banking for Business with Bill Payment

  • No Charge
  • Review current and historical deposit activity
  • Transfer funds between your existing deposit accounts and eligible loans
  • View current and historical loan activity
  • Reconcile accounts
  • Submit change of address, reorder checks, place stop payments
  • Paying bills is fast and convenient with just a click of your mouse

Internet Banking for Business with Cash Management

  • $9.95 per month + $0.15 per ACH transaction. Includes all the benefits of internet banking plus...
  • Payroll
  • Collections
  • ACH Management
  • Wire Transfer Requests
  • Positive Pay
  • Currency Orders

Deposit Accounts

Commercial Checking

  • Minimum opening deposit: $100.00
  • Minimum daily balance of $5000.00 required to avoid additional service charge of $25.00
  • Unlimited check writing
  • Phone Banking
  • Internet Banking

NOW Checking*

  • Minimum opening deposit: $1000.00
  • Minimum daily balance of $1000.00 required to avoid additional service charge of $7.00
  • This accounts earns interest on the daily balance and is credited to the account monthly
  • Unlimited check writing
  • Service charges and fees may reduce earnings
  • Phone Banking
  • Internet Banking

* Only individuals, sole proprietorships, nonprofit and governmental entities may own a NOW account. Corporations or partnerships cannot own a NOW account. Sole proprietorships may open this account for a minimum opening deposit of $500.00 with monthly service charge fees applicable on that opening balance.
For current terms and interest rates on this account, contact customer service.

Money Market*

  • Minimum opening deposit: $1000.00
  • Minimum daily balance of $1000.00 required to avoid additional service charge of $7.00**
  • Service charges and fees may reduce earnings
  • Phone Banking
  • Internet Banking

*Transaction limitation requirements       **See list of fees for all fees
For current terms and interest rates on this account, contact customer service.

Regular Savings

  • Minimum opening deposit: $100.00
  • Minimum daily balance of $200.00 required to avoid additional service charge of $5.00*
  • Service charges and fees may reduce earnings
  • Phone Banking
  • Internet Banking

*See fee schedule for all fees

Certificates of Deposit*

  • Minimum opening deposit: $500.00
  • We offer certificates of deposit in a wide range of maturities
  • Market rates are paid on these products and are updated as the market changes
  • Phone Banking
  • Internet Banking 

*Early withdrawal penalty applies.  See bank for details. 
For current terms and interest rates on this account, contact customer service.

Loans

We offer full-service commercial lending with prompt decisions made locally.

Loans are generally provided for:

  • Working capital
  • Purchase of equipment
  • Purchase of inventory
  • New construction
  • Permanent financing of real estate
  • Refinance of an existing loan

Loan Types that are generally offered*:

  • Short-term financing (less than one year)
  • Long-term financing (up to 20 years)
  • Interim construction loan
  • Revolving line of credit

*Subject to bank credit approval.
Additional financial information may be requested to support the application for credit. 

Retirement Products

Traditional IRA’s

  • Offers independence, and can be opened and funded without employer participation
  • Immediate tax benefits, with contribution and/or earnings tax-deferred until retirement
  • Accessibility, with funds always available, something not generally true of employer plans
  • Flexibility, because there is no minimum contribution in any year

Roth IRA’s

  • Offers independence, and can be opened and funded without employer participation
  • Since the money you contribute has already been taxed, the principal amount is never subject to taxes or penalties in the future, as long as you stay within the contribution guidelines
  • If you do not withdraw any of the earnings until you have had the Roth IRA for at least 5 years, those tax-deferred earnings become tax-free
  • Accessibillity, with funds always available, something not generally true of employer plans
  • Flexibillity, because there is no minimum contribution in any year 

Merchant Card Services

We partner with Transfirst® Information Systems, Inc., to supply credit card processing services* to businesses in various industries.

Features

Visa MasterCard Discover American Express
  • Visa®, Mastercard®, American Express®, Discover®, and Debit/ATM Card processing
  • Customer Service and Terminal Help Desk Support available 24 hours a day, 365 days a year
  • Reprogramming of existing compatible equipment
  • Free merchant telephone or on-site training
  • Low equipment pricing
  • Internet processing capabilities

*Subject to bank credit approval.  

TransFirst® is one of the nation's leading providers of payment processing services. With more than 15 years of experience and some of the leading experts in the payment processing industry on our staff, we know what it takes to help our merchants and professional partners grow their businesses and achieve lasting success.

  • Trusted by thousands of business owners, financial institutions and sales partners
  • Rated A+ by the Better Business Bureau for outstanding customer service
  • Committed to state-of-the-art technology and data security
  • Dedicated to delivering 24/7, U.S.-based support

BASICS OF PAYMENT PROCESSING

If your business accepts credit cards, PIN or signature debit cards, gift cards and/or checks, you use payment processing services every day. TransFirst can put together a program that works — using the Internet, a point of sale terminal, computer software, a mobile phone or various combinations of devices.

Providing Solutions, Building Relationships, One Dream at a Time.