Business Services

Our commitment to make your life and work easier is reflected in our line of services.

OVERDRAFT PRIVILEGE
This is a special line of credit associated with a checking account held by qualified customers where funds are automatically transferred to cover overdrafts when needed.

ACH (Automated Clearing House) 
ACH is a secure payment transfer system that connects all U.S. financial institutions. It allows businesses an easy and safe way to create an electronic file to make direct deposits for employee payroll, collect payments from customers, or make payments to vendors and government agencies.  The business creates the file and sends it to the bank electronically for processing.

SWEEP ACCOUNTS 
Since businesses cannot earn interest on a checking account, a sweep account will allow them to earn money on all their funds at all times. At the end of the day, after all deposits have been added and debits subtracted, any funds remaining in the “operating” checking account will be automatically transferred into an investment (interest bearing) savings account. If at the end of the day the operating account needs funds to cover an outstanding balance, money will be automatically transferred from the investment account to cover the amount needed. 

WIRE TRANSFERS 
A wire transfer allows our customers and businesses to transfer funds from one person or entity to another via a bank-to-bank wire. Safe, fast and convenient wires are a way of sending money when no other form of payment will be accepted. The recipient usually receives the funds in their account the same day.

OFFICIAL CHECKS (Cashiers’ Checks)
Official checks are issued by and guaranteed by the bank for payment. Customers purchase the checks with cash or collected funds from their bank account. They are used when no other form of payment, such as a personal check, money order or cash, will be accepted.

SAFE DEPOSIT BOXES
Located in the bank vault, a safe deposit box is a safe and secure way to store your stocks, bonds, deeds, wills, titles, jewelry and other valuables you may have. A low annual rental fee is a small price to pay for your peace of mind and to keep your valuables safe and organized.  Access to your safe deposit box can be made anytime during regular business hours. (Safe Deposit Box contents are not covered by FDIC.)

CHECK ORDERS
We offer a wide variety of styles and designs for both personal and business accounts at a competitive price.    

Business Banking Rack Card (PDF file)

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