With The Business Bank, you can monitor real-time activity in your accounts with “NetTeller”, our free online banking product.

In today’s environment, more and more consumers and businesses are spending with credit cards. With VISA Merchant Card Services, you can serve your customers and increase your cash flow. Credit card payments deposited with The Business Bank are credited to your account quicker than checks. And you get immediate use of these funds.

Features: Flexible Billing Options - Individual and Central - Your Company Name on Card - Your Company Logo, if desired

Visa® Business Card – Businesses with less than $1 million in annual sales or that charge less than $250,000 per year.

Visa® Business Travel Card – Same as Business Card above, but Employees earn points towards merchandise, travel, or gift cards and certificates. $55.00 annual fee.

Visa® Business Company Card – Unlike other Corporate cards, you’re not required to pay the entire balance each month. You’ll have immediate access to a revolving line of credit that’s there when you need it. Generous credit lines are available to companies that earn $350,000 net income. Businesses that will spend minimum $50,000 per year will avoid an annual fee. Otherwise annual fee is $275.

The Business Bank can customize a lockbox service in which your customers mail their invoice payments to a special post office box at the local post office. The receipts are picked up and processed, then we will deposit all checks into your account and forward to you the remittance information. You have many options as to how you receive the daily cash receipts, including an emailed or faxed report.

Earn competitive rates on your excess cash balances. The Business Bank provides you with the ability to automatically transfer a portion of your checking account funds to or from one of three money market funds managed by Federated Investors, Inc., one of the largest and most respected money managers in the world.

Incoming and outgoing ACH items may be annotated with descriptive information referencing invoice or purchase order numbers.

The Business Bank’s cash concentration product allows your company to concentrate cash by electronically pooling funds from numerous branch or subsidiary accounts to a single operating account. This not only helps you manage and maintain funds in numerous checking accounts, it also reduces idle balances, maximizes investment opportunities and improves control and cash forecasting.

This service is valuable for those companies with multiple accounts. Instead of transferring funds to cover payroll expenses, for example, our zero balance account automatically transfers the funds required in the accounts as your checks clear. You will save time in determining the amount of funds to transfer. Zero balance accounts concentrate your cash into a single account which increases your investable balance.

Account reconciliation services significantly reduce the time-consuming clerical portion of the reconcilement process and strengthens internal cash control. If you issue a high volume of checks each month, The Business Bank’s check reconciliation product allows you to download, from the internet, an electronic file in one of these six (6) formats: