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Business Services

Your business needs are unique, which is why we offer checking account options that are tailored to your specific relationship demands. Our accounts are designed for convenience, and to help you make the most of your money — just the way it should be!

Account Commercial Analysis Checking Free Business Checking Free Commercial Checking
Description This account is right for larger businesses with more transactions! This account is for sole proprietorships, non-profit organizations and government entities. This account is for commercial businesses who want a simple, value-added checking account
Fee Structure •No minimum balance
•$7.50 monthly service charge
•$.25 per withdrawal and $.06 per item deposited over 50 in a statement cycle
•No minimum balance
•No monthly service charge
•Unlimited deposits
•No minimum balance
•No monthly service charge
•Unlimited deposits
Additional Features You will receive an earnings credit your collected balance. It will be applied to reduce the total service charges. The earnings cannot exceed your total fees. Interest is paid on balances greater than $1,000 No interest is paid

Business Savings

Choose one of our convenient and flexible savings options to help you reach your business goals!

Business Savings Accounts

  • Minimum opening deposit is $100
  • Echeck and ACH available through Clarity
  • Up to six pre-authorized transfers, unlimited ATM machine and in-branch withdrawals; $1.00 per debit over six during a calendar month
  • Interest is paid on daily balances over $100; Interest is compounded daily and credited on the last day of the calendar quarter
  • No service charge unless balance falls below $100; then only $2.00 a month
  • Interest begins to accrue on non-cash items (for example, checks) on the day you deposited the items

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.

Commercial Money Market (non-consumer)

This account offers the advantage of higher interest rates. The rates are tiered to reward for higher balances.

  • Minimum opening balance is $2,500
  • Unlimited deposits
  • Up to six pre-authorized withdrawals (no more than three by check), unlimited in-branch withdrawals; $5.00 per debit over six in a calendar month
  • Variable interest rate
  • $7.00 maintenance fee per month if balance falls below $2,500

From financing to cash management, we have the services to support your business needs. We promise customized, convenient services that will work hard for you - just the way it should be!

Business Financing

Take advantage of a Patriot term loan for ...

  • Equipment purchase
  • Business expansion
  • Real estate construction
  • Commercial real estate

Or, enjoy our variable-rate working capital loans for ...

  • Lines of credit
  • Letters of credit
  • Business credit cards

We also offer SBA loans!

CitiWide     MerchantCashAdvance.com

Business Support Services

In today's busy environment, banking needs to be easy. That's why we offer the products and services guaranteed to fit your demands, and your time frames!

  • Online cash management
  • ACH origination
  • Payroll services
  • Collection services
  • Direct deposit
  • Merchant card services (via msg group)
  • REC-CHEK record keeping system
  • Small business retirement plan design (401k) and administration
  • Coin currency orders
  • Night depository
  • Safe deposit boxes
  • Wire transfers
  • Notary service
  • Signature guarantee service
  • Trust service
  • Full-service brokerage*

* Securities offered through IBA Securities, a division of Broker Dealer Financial Services. Insurance and investment products are not FDIC insured, not insured by any other government agency, not guaranteed by the bank, and may go down in value.


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