Business Checking
No two companies are exactly alike. So we’ve designed a variety of checking programs to give you the options you need to manage the daily finances of your business.

Preferred Business Portfolio
The perfect combination of products to meet the needs of any small- to medium-sized business.

Free Checking
Designed to manage monthly cash flow needs for those businesses conducting routine banking transactions. Save time and money with these convenient benefits:

  • No minimum balance
  • No transaction fees
  • Free online banking
  • Business overdraft privilege

Investment Sweep
When coupled with your Free Business Checking account, the sweep function will automatically invest your idle cash for you at a competitive rate of interest.

Loans
Understanding that time is money, we have simplified the lending process by reducing the amount of paperwork and structuring competitive loan packages for borrowing needs up to $150,000. With a fixed rate term of five years, you know exactly what your monthly payment will be, and you can amortize your loan up to 15 years.

Insurance
Our team of professionals at Countybanc Insurance, Inc. understands that risk management is an integral part of what you do. They will work directly with you to develop a comprehensive, customized insurance solution through their network of top-rated insurance companies. Countybank Insurance, a full-service independent insurance agency, offers these lines of coverage for businesses:

  • Business owner package programs
  • General liabilityProperty & automobile
  • Workers’ compensation
  • Umbrella & excess liability
  • Additional coverage based on the needs of your business

Employee Health Benefits
With today’s increasingly competitive environment, having a comprehensive benefits package for your employees can be the difference between average and stellar performers. We are here to assist you in developing just that type of benefits package — one to help protect your future and theirs. Packages can include:

  • Health insurance
  • Health savings accounts
  • Life, accident & disability insurance
  • Additional supplemental and voluntary insurance

Employee Retirement Benefits
Our employee benefit professionals are trained to provide administrative and investment services for qualified and non-qualified employee retirement plans, including:

  • 401(k)/profit sharing
  • Simplified Employee Pension (SEP)
  • SIMPLE plan
  • Individual retirement accounts

Free Business Interest Checking
Free Business Interest Checking is an interest-bearing account for sole-proprietorships, non-profit organizations and government entities with a limited number of transactions.  No monthly maintenance fee or minimum balance requirements.

  • Minimum to open $100
  • Maximum items with no fee 500
    (credits, debits and deposited items)
  • Charge per item over 500 $.29
  • Minimum to earn interest $1,000
  • Monthly statement with check images
  • Unlimited 24-Hour TeleBank usage
  • Unlimited Online Banking usage with Bill Payment

Business Analysis Checking
Business Analysis Checking is a non interest-bearing account designed for companies with medium to high balances and account activity in which excess funds can be used to offset fees for the account.**.

  • Monthly maintenance fee–$9.99
  • Deposits and other credits, per item–$.39
  • Checks paid and other debits, per item–$.19
  • Deposited item, per item local $.08 non-local–$.09
  • Unlimited 24-Hour TeleBank usage

Corporate Analysis Checking
Corporate Analysis Checking is a non interest-bearing account designed for companies with high balances and account activity in which excess funds can be used to offset fees for the account**.

  • Monthly maintenance fee–$12.50
  • Deposits and other credits, per item–$.45
  • Checks paid and other debits, per item–$.19
  • Deposited item, per item local $.09 non-local–$.10
  • Unlimited 24-Hour TeleBank usage

Analyzed Business Interest Checking*
Analyzed Business Interest Checking is an interest-bearing account designed for companies with medium to high balances and account activity in which excess funds can be used to offset fees for the account**.

  • Monthly maintenance fee–$9.99
  • Deposits and other credits, per item–$.39
  • Checks paid and other debits, per item–$.19
  • Deposited items, per item local $.07 non-local–$.09
  • Minimum to earn interest–$1,000
  • Unlimited 24-Hour TeleBank usage

Access CB
Access CB is an online banking corporate cash management component that empowers commercial customers to securely and conveniently manage their funds online via a secure connection. With Access CB you can:

  • Search for and sort account information
  • Review account balances
  • Determine current and anticipated cash positions for the next seven days
  • Transfer funds between internal and external accounts
  • Pay bills
  • Make presentments
  • Create ACH transfers, including direct deposit of payroll
  • Issue stop payments
  • Request wire transfers
  • Make federal tax payments
  • Originate ACH files

Access CB gives you more control. It provides opportunities to optimize your interest income, reduce transaction costs, manage float effectively, and improve payment tracking and control.

*Interest on business accounts, Business Interest Checking and Analyzed Business Interest Checking earn a variable rate of interest on daily collected balances less any reserves that may be required by the Federal Reserve.

**Earnings credit allowance is calculated by taking a moving average of the 90-day Treasury Bill, adjusting it downward by the applicable Federal Reserve requirement (10% as of March 1, 2000) and multiplying the result by your average collected balance for the month.

Additional deposit options are available through our Cash Management Services.