Let your balances work for you by providing “buying power”. Enables larger companies with moderate to high activity levels to minimize costs and maximize financial resources. You receive an “earnings credit” for checking account funds to help pay for the services you use. We consistently exceed competitive market rates for earnings credit on your balances, giving you more buying power for the services you select. Contact a Relationship Officer or New Accounts Representative for detailed service fees and learn how your balances can work for you.

Designed for small businesses with modest activity level and basic financial needs. Select services from our Online Cash Management suite of products and run your business more efficiently and economically.

• Opening Deposit Required: $1,000.00
• No monthly service charge if average balance of $5,000 is maintained
• Monthly Fee if balance falls below $5,000 is $15
• If balance falls below $2,500 then the fee is $20

Available for Sole Proprietors, Non-Profit Organizations and Fiduciaries, this unlimited check writing account gives you broad access to your funds while earning interest on a daily basis.

• Opening Deposit Required: $1,000.00
• No monthly service charge if the average balance of $5,000 is maintained
• Monthly Fee if balance falls below $5,000 is $15.00

We offer custom Money Market Accounts to suit your investment needs. A compliment to your checking account, a money market account earns interest on your balances until you need them. Whether regular Business Money Market or our Platinum Money Market, we offer highly competitive pricing and an account to meet your investment strategy. Transactions on money market accounts are limited to six transactions per statement cycle, not more than three of those may be by check to a third party. Excessive transaction fees will apply.

Business Money Market

• Opening Deposit Required: $1,000.00
• No monthly service charge if the minimum daily balance of $5,000 is maintained
• Monthly Fee if balance falls below $5,000 is $15.00
• Excess activity charge is $15 per excess transaction

Platinum Money Market
Opening Deposit Required: $50,000.00

Maximize your money with sweep accounts so every dollar reaches the highest return for you. Tied to one or more business checking accounts, your excess funds are swept each day into a single investment account and swept back into your operating account, whenever you need it. Your Relationship Manager will work with you to establish a target balance to be maintained in your operating accounts and the threshold for sweeping to your investment account. Contact us today to design a sweep account for your relationship portfolio.

The ultimate cash management tool, a zero balance accounting portfolio provides an accumulation of balances in a single checking account while multiple operating and payroll accounts maintain zero balances. Improve control of your subsidiary accounts and reduce idle balances without tracking multiple accounts as checks or debits are presented on your subsidiary accounts. The master account transfers funds to zero balance accounts, whenever they are needed and provides clear reporting on the flow of funds. It is no longer required to maintain balances in multiple accounts to avoid service charges. Fixed monthly fees for the zero balance accounting portfolio keeps your smart money working for you. Contact us today to design zero balance accounting for your relationship portfolio.

We can assist you in obtaining professional payroll service and receive accommodation pricing based on your total portfolio relationship with the bank. Save time and increase security over this critical function of your business and your set up charges are free!

Maximize your sales by accepting more of your customer’s payment choices: VISA, MasterCard, Discover Card, American Express, and Debit Cards. All credit card deposits are processed electronically to your account at the Bank.

With just one phone call, your business receives complete merchant card services with prompt credit for electronic drafts. Accept all major credit and debit cards to help increase your sales and ensure a prompt collection of funds. State-of-the-art draft capture equipment and local support gives you the peace of mind you seek in a business relationship. Best of all, your set up charges are free!

One of the greatest challenges of a business is efficiently managing working capital. If collecting outstanding receivables, managing your inventory, and knowing your cash position at any time is important to you, then eCorp can help. Today’s style of business is no longer nine-to-five, but 24/7. We offer cash management solutions for today’s fast paced business environment. Whether in the office, at home or on the road, our Online Cash Management lets you manage all your business accounts, make critical financial transactions and access a wealth of financial data – all with desktop ease.

Whether your business is large or small, Online Cash Management gives you access to the financial tools and information needed to compete effectively in today’s marketplace. Take a look at some of the features:

• View balance and transaction information
• Export data
• Transfer funds
• Manage wire transactions
• Manage Stop Payments
• Initiate ACH transactions
• Manage payroll deposits
• Make EFTPS Payments
• Electronic Bill Payment

Remote Deposit Capture (RDC)

Wherever your business footprint, close to home or across the country, we’re right next door. You can now make deposits from any or your offices and never leave the building. With RDC you simply scan your checks with our desktop scanner, and transmit the information directly to the bank. Many times a day, at your convenience. Eliminate the need to photocopy checks for future reference, we provide an image file for you. Minimize preparation time and maximize the efficiency of your staff. No longer does your employee have to leave your office to go to the bank, eliminate courier expense and speed up the collection of your funds for optimum availability. Safe, secure, convenient and innovative technology … from our cash management suite of services. Call our cash management team today to demonstrate how your company can step into this exciting new world of business services.

ACH (Automatic Clearing House) origination provides you the ability to make and collect payments electronically without writing a check. Streamline payments, improve collectability and reduce transaction costs and check fraud with electronic payments and collections. Visit our Cash Management solutions through eCorp for more information and call us today to discuss your electronic payment needs.

Fight fraud and avoid potential loss with early detection of a breach to your funds. Review checks presented for payment before making final decisions with Positive Pay. Easy and quick to adopt, just provide us with a daily file of the checks issued and we’ll match them up. You’ll receive a daily email of outstanding exceptions and a user friendly login where you can view and authorize checks for payment or return. Take a proactive control of your funds and we’re here to help you with an interactive risk mitigation tool. Call our cash management team today to learn more.

A compliment to the exciting online and cash management suites of products, Mobile Banking let’s you access your account balances, see checks that have paid, transfer funds between accounts, and even approve ACH origination and Wire Transfers; from wherever you are. Through a secured network and password access, you can manage your banking on the go. In the airport, in the car, in the lobby of a client’s office … Mobile Banking is the absolute convenience and necessity of the entrepreneur or international executive. Call our cash management team today to learn more.

Enhance the control of your cash orders and deposits with our Cash Vault Services while saving time and money by eliminating your trips to the bank. We will arrange for your deposits to be picked up and delivered in time for same day credit to your business account with our Armored Transport Services.

Enhance the control of your cash orders and deposits with our Cash Vault Services while saving time and money by eliminating your trips to the bank. We will arrange for your deposits to be picked up and delivered in time for same day credit to your business account with our Armored Transport Services.

This line of credit is specifically designed for the established physician in all specialties and private practice. It is a flexible revolving credit for various purposes where short term repayment sources exist.

• Commitment for 3 years
• Minimum line of credit $25,000
• Maximum line of credit $500,000
• Short term working capital for the recurring borrowing needs of existing practices
• Interim deposit financing for equipment purchases until delivery and equipment financing is in place
• Flexible line management and terms unique to the cash flow of the medical profession
• Primary core banking relationship

Customized equipment term loans are designed for the financing of capital assets of the practice, or the doctor personally. This loan allows for the new purchase or refinance of primary business equipment for your office, lobby, exam rooms, laboratory or other specialized equipment needs. Unique terms and qualifications are designed for the established physician reflective of your success and achievements.

• Minimum Equipment Term Loan $25,000
• Maximum Equipment Term Loan $2.0 million
• Up to 100% financing of qualified equipment including equipment, shipping, installation and training costs
• Flexible initial payment plans for deferral or interest only
• General office equipment financing with terms up to 4 years with both fixed and variable rate options
• General medical equipment financing with terms up to 7 years and flexible rate options
• Specialized medical equipment financing with terms up to 12 years and flexible pricing plans
• Longer terms may apply with exceptional qualifications
• Vehicle financing for the practice or physician available as a custom accommodation
• Streamlined application and processing in most cases
• Primary core banking relationship

Exclusively designed to provide permanent working capital financing for the purchase or refinance of primary business assets, expansion of the practice, or tenant improvements for the office. Loans for the acquisition of a practice or real estate financing are offered in other loan programs. Improve your appeal and take advantage of opportunities that drive your future success.

• Minimum Equipment Term Loan $25,000
• Maximum Equipment Term Loan $2.0 million
• Terms up to 10 years with flexible fixed and variable pricing plans
• Deferred, graduated and interest only payment terms
• Non-Real Estate improvements or renovation costs
• Equity refinance for the “buy out” of an existing practicing partner
• Intermediate term financing of a small practice while being merged into a larger practice for which acquisition financing is not required
• Short term bridge financing to refurbish a practice in preparation for its sale
• Streamlined application and processing in most cases
• Primary core banking relationship

Why rent when you can own your own building? We offer a broad suite of financing programs designed specifically for your commercial real estate needs. Fixed and adjustment rate products with custom pricing and flexible features. Contact one of our professional commercial real estate managers today.

• Commercial property acquisition financing – with up to 90% financing on qualified owner occupied property
• Commercial property improvement projects
• Refinancing of owner occupied commercial real estate property
• Financing of investor properties including Mixed Use & Special Purchase Properties
• Terms up to 25 years fully amortized
• Streamlined application and processing in most cases
• Primary core banking relationship

Available exclusively to established medical doctors with three or more years of practice, used to finance the acquisition of the primary business assets, tenant improvements, goodwill, equipment and permanent working capital. This creative financing designed distinctively for the medical professional assumes one or more individual medical practitioners purchase an existing practice as their primary business, or an existing practice that may wish to acquire another practice that will enhance the current one. Let us partner with your success through the offer of this unique credit facility with flexible terms and pricing to help you reach the next step in your growing practice. Contact us today so we can begin to understand your opportunity and see how we can help you achieve your goal.

• Minimum Business Acquisition Term Loan $100,000
• Maximum Business Acquisition Term Loan $2.0 million
• Terms up to 12 years with flexible fixed and variable pricing plans
• Deferred, graduated and interest only payment terms
• Streamlined application and processing in most cases
• Primary core banking relationship