Embed Size (px)
Citation preview
ILLINOIS INDIANA KENTUCKY MISSOURI
MEMBER FDIC
Business Checking AccountsBanterra Bank understands your business needs. Whatever the size of your business, we have an account that’s right for you. Let us provide you with a checking solution for your business today.
• FreeBusinessChecking
• BasicBusinessChecking
• PremiumBusinessChecking
• BusinessAnalysisChecking
Free Business CheckingThisaccountisdesignedtofittheneedsofalowtransactionvolumebusiness.Thisproductmaybeagoodmatchforstart-upbusinesses,home-basedbusinesses, and organizations.
• $100minimumopeningdeposit
• First100paperitemsfree($.35ea.thereafter)
• First75electronicchecks/debitsfree ($.30ea.thereafter)
• First25electronicdepositsfree ($.30ea.thereafter)
• Firstcheckorderfree*
*Restrictions may apply; Check order up to $25.
Basic Business CheckingTherightaccountformicro-businessesthathaveagrowingtransactionvolume.
• $200minimumtoopen
• Includesthefirst250itemsfree ($.30eachthereafter)
• Monthlyfeeof$7.50willbewaivedwith $1,500dailybalanceor$3,000average balance
Premium Business CheckingThe perfect account for businesses with greater transactionvolume.
• $500minimumtoopen • First600itemsfree($.25eachthereafter) • Monthlyfeeof$10willbewaivedwith$2,500 dailybalanceor$7,500averagebalance
Business Analysis CheckingThisaccountmaysuityourbusinessifyouhavehightransactionvolumeorTreasuryManagementneeds.
• Accountsareanalyzedonamonthlybasisto determineprocessingandtransactioncosts • Anearningscredit*maybeappliedtooffset the price of account services and activity • Feesformostservicesandactivitiesprovided willbereflectedontheaccountanalysis statement.Someitemssuchasprintedchecks, overdraft charges, wire transfers and stop paymentfeesmaybechargeddirectlytothe account when the service is provided
*Earnings credit is calculated on the account’s available balance (collected balance less the government regulated reserve requirement) for the month.
Workforce BankingBanterra can pass on conveniences and savings to your employeeswhenyousignupforWorkforceBanking. Featuresinclude: • FreeBanterraSmartChoiceCheckingfor90 dayswhichincludesseveralbenefitssuchas identity theft and cell phone protection; small$5monthlyfeeafter90days. • OverdraftProtectionset-upfeewaived($4.50) • Firstorderchecksfree(Standard) • FreeInsuranceQuotes* • FreeFinancialCheckup • FreeSafeDepositBoxorLockerforfirstyear; discountedfeeafterfirstyear. • Receive$200discountonmortgageclosingcosts • Receivea.25%discountonpersonalloans*Excludes Missouri residents.
Cover Photo: Banterra strives to feature actual customers when possible. Photo features Lynn Hassler and Mindy Hassler of Lynn’s Marine, proud Banterra customers.
B U S I N E S S B A N K I N G
BUSINESSCHECKING
BANTERRA BANK SERVICES PERSONAL BANKINGPersonalCheckingPersonalSavingsCDs&IRAsMortgage&EquityOnline&MobileBankingPersonalLoans BUSINESS BANKINGBusinessCheckingBusinessSavingsBusiness&AgriculturalLendingSpecializedLending-Aircraft,CorporateBanking,MachineTool,RV&Marine,TransportationTreasuryManagementBanterraBusinessMobileAppMerchantProcessingchecXchangeTMCheckRecoveryServicePrivateBankingWorkforce Banking
OTHER SERvICESCreditCards–Consumer&BusinessForeignCurrencySecurity&FraudProtectionWire Transfers
866-BANTERRA (226-8377)Banterra.comREV3/2016
ILLINOIS INDIANA KENTUCKY MISSOURI
MEMBER FDIC
Business Checking AccountsBanterra Bank understands your business needs. Whatever the size of your business, we have an account that’s right for you. Let us provide you with a checking solution for your business today.
• FreeBusinessChecking
• BasicBusinessChecking
• PremiumBusinessChecking
• BusinessAnalysisChecking
Free Business CheckingThisaccountisdesignedtofittheneedsofalowtransactionvolumebusiness.Thisproductmaybeagoodmatchforstart-upbusinesses,home-basedbusinesses, and organizations.
• $100minimumopeningdeposit
• First100paperitemsfree($.35ea.thereafter)
• First75electronicchecks/debitsfree ($.30ea.thereafter)
• First25electronicdepositsfree ($.30ea.thereafter)
• Firstcheckorderfree*
*Restrictions may apply; Check order up to $25.
Basic Business CheckingTherightaccountformicro-businessesthathaveagrowingtransactionvolume.
• $200minimumtoopen
• Includesthefirst250itemsfree ($.30eachthereafter)
• Monthlyfeeof$7.50willbewaivedwith $1,500dailybalanceor$3,000average balance
Premium Business CheckingThe perfect account for businesses with greater transactionvolume.
• $500minimumtoopen • First600itemsfree($.25eachthereafter) • Monthlyfeeof$10willbewaivedwith$2,500 dailybalanceor$7,500averagebalance
Business Analysis CheckingThisaccountmaysuityourbusinessifyouhavehightransactionvolumeorTreasuryManagementneeds.
• Accountsareanalyzedonamonthlybasisto determineprocessingandtransactioncosts • Anearningscredit*maybeappliedtooffset the price of account services and activity • Feesformostservicesandactivitiesprovided willbereflectedontheaccountanalysis statement.Someitemssuchasprintedchecks, overdraft charges, wire transfers and stop paymentfeesmaybechargeddirectlytothe account when the service is provided
*Earnings credit is calculated on the account’s available balance (collected balance less the government regulated reserve requirement) for the month.
Workforce BankingBanterra can pass on conveniences and savings to your employeeswhenyousignupforWorkforceBanking. Featuresinclude: • FreeBanterraSmartChoiceCheckingfor90 dayswhichincludesseveralbenefitssuchas identity theft and cell phone protection; small$5monthlyfeeafter90days. • OverdraftProtectionset-upfeewaived($4.50) • Firstorderchecksfree(Standard) • FreeInsuranceQuotes* • FreeFinancialCheckup • FreeSafeDepositBoxorLockerforfirstyear; discountedfeeafterfirstyear. • Receive$200discountonmortgageclosingcosts • Receivea.25%discountonpersonalloans*Excludes Missouri residents.
Cover Photo: Banterra strives to feature actual customers when possible. Photo features Lynn Hassler and Mindy Hassler of Lynn’s Marine, proud Banterra customers.
B U S I N E S S B A N K I N G
BUSINESSCHECKING
BANTERRA BANK SERVICES PERSONAL BANKINGPersonalCheckingPersonalSavingsCDs&IRAsMortgage&EquityOnline&MobileBankingPersonalLoans BUSINESS BANKINGBusinessCheckingBusinessSavingsBusiness&AgriculturalLendingSpecializedLending-Aircraft,CorporateBanking,MachineTool,RV&Marine,TransportationTreasuryManagementBanterraBusinessMobileAppMerchantProcessingchecXchangeTMCheckRecoveryServicePrivateBankingWorkforce Banking
OTHER SERvICESCreditCards–Consumer&BusinessForeignCurrencySecurity&FraudProtectionWire Transfers
866-BANTERRA (226-8377)Banterra.comREV3/2016
Business Card Services*BanterraofferstheconvenienceofaBanterraVisa® Debit Card, as well as a variety of Banterra VisaBusinessCreditCards.
BanterraVisaBusinessCreditCardsfeature:
• RewardsOptions
• GenerousCreditLine
• FlexiblePaymentOptions
• FreeEmployeeCards
• ConsolidatedCompanyStatements
• PaymentControls
• FreeOnlineReportingwithScoreBoard
*The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Business Checking Comparison Chart
Free Business Basic Business
Who Would BenefitFromThisAccount
Best account for low transaction businesses, startups, home-basedororganizations
Mostbusinesses,organizations and non-profits
$100
Freefirstorderofstandard checks (upto$25)
First100freeandthen$.35eachover100
First75freeandthen$.30eachover75
First25freeandthen$.30eachover25
None
Mostbusinesses,organizations and non-profits
$200
First250itemsfreeexcludinginternaltransfers via transfer systemoronlinebanking;$.30eachover250
Nofeeifa$1,500minimumdailybalanceor$3,000averagemonthlybalanceismaintained;otherwise,$7.50monthlyfee
Rightaccountformicro-businesses with growing transactionvolume
QualifyingBusiness Types
PersonalizedChecks
MerchantCardProcessing
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
MinimumOpeningBalance
PaperItemFees
ElectronicCheck/DebitFees
ElectronicDepositFees
MonthlyFee
Treasury ManagementServices(Some Restrictions Apply)
3
Premium Business Business Analysis
Mostbusinesses,organizations and non-profits
$500
First600itemsfreeexcludinginternaltransfers via transfer systemoronlinebanking;$.25eachover600
Nofeeif$2,500minimumdailybalanceor$7,500averagemonthlybalanceismaintained;otherwise$10monthlyfee
Mostbusinessesand organizations
n/a
RefertoaTreasuryManagementSpecialistfora free account analysis of your account activity
Accountisanalyzedmonthlytodetermineprocessing costs. Anearningscreditmaybeapplied to offset the price of account services
Perfectaccountfor businesses with greater transaction volume
High-transactionvolumeorTreasuryManagementneeds
3 3
Other BuSineSS ServiCeSchecXchangetM
Banterra understands that running a business often requires the need to collect hard-earned moneyin a timelymanner. Banterra partnerswithMoneyTransferSystemstoprovidechecXchange,aservicewhichautomaticallyelectronicallycollectsreturnedchecks. checXchangeTM greatly increases your recovery of bad checks, atnocosttothecustomer,andadditionallyoffersanoptional collection service for those checks that are unable to be collected electronically.
Merchant ProcessingBanterra’sMerchantProcessingSolutions,providedbyOmega,allowcustomerstopayforgoodsandservices with majorcredit and debit cards atyourbusiness.You’llbenefitfrom:
• Guaranteedlowesttotalprocessingcosts
• Latesthardware,softwareandpoint-of-sale solutions(includingchip-cardtechnology)
• 24/7serviceandsupportwithOmega
Tosetupmerchantprocessing foryourbusiness,contactyourlocalbranchorgotoBanterra.com.
Business Card Services*BanterraofferstheconvenienceofaBanterraVisa® Debit Card, as well as a variety of Banterra VisaBusinessCreditCards.
BanterraVisaBusinessCreditCardsfeature:
• RewardsOptions
• GenerousCreditLine
• FlexiblePaymentOptions
• FreeEmployeeCards
• ConsolidatedCompanyStatements
• PaymentControls
• FreeOnlineReportingwithScoreBoard
*The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Business Checking Comparison Chart
Free Business Basic Business
Who Would BenefitFromThisAccount
Best account for low transaction businesses, startups, home-basedororganizations
Mostbusinesses,organizations and non-profits
$100
Freefirstorderofstandard checks (upto$25)
First100freeandthen$.35eachover100
First75freeandthen$.30eachover75
First25freeandthen$.30eachover25
None
Mostbusinesses,organizations and non-profits
$200
First250itemsfreeexcludinginternaltransfers via transfer systemoronlinebanking;$.30eachover250
Nofeeifa$1,500minimumdailybalanceor$3,000averagemonthlybalanceismaintained;otherwise,$7.50monthlyfee
Rightaccountformicro-businesses with growing transactionvolume
QualifyingBusiness Types
PersonalizedChecks
MerchantCardProcessing
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
MinimumOpeningBalance
PaperItemFees
ElectronicCheck/DebitFees
ElectronicDepositFees
MonthlyFee
Treasury ManagementServices(Some Restrictions Apply)
3
Premium Business Business Analysis
Mostbusinesses,organizations and non-profits
$500
First600itemsfreeexcludinginternaltransfers via transfer systemoronlinebanking;$.25eachover600
Nofeeif$2,500minimumdailybalanceor$7,500averagemonthlybalanceismaintained;otherwise$10monthlyfee
Mostbusinessesand organizations
n/a
RefertoaTreasuryManagementSpecialistfora free account analysis of your account activity
Accountisanalyzedmonthlytodetermineprocessing costs. Anearningscreditmaybeapplied to offset the price of account services
Perfectaccountfor businesses with greater transaction volume
High-transactionvolumeorTreasuryManagementneeds
3 3
Other BuSineSS ServiCeSchecXchangetM
Banterra understands that running a business often requires the need to collect hard-earned moneyin a timelymanner. Banterra partnerswithMoneyTransferSystemstoprovidechecXchange,aservicewhichautomaticallyelectronicallycollectsreturnedchecks. checXchangeTM greatly increases your recovery of bad checks, atnocosttothecustomer,andadditionallyoffersanoptional collection service for those checks that are unable to be collected electronically.
Merchant ProcessingBanterra’sMerchantProcessingSolutions,providedbyOmega,allowcustomerstopayforgoodsandservices with majorcredit and debit cards atyourbusiness.You’llbenefitfrom:
• Guaranteedlowesttotalprocessingcosts
• Latesthardware,softwareandpoint-of-sale solutions(includingchip-cardtechnology)
• 24/7serviceandsupportwithOmega
Tosetupmerchantprocessing foryourbusiness,contactyourlocalbranchorgotoBanterra.com.
Business Card Services*BanterraofferstheconvenienceofaBanterraVisa® Debit Card, as well as a variety of Banterra VisaBusinessCreditCards.
BanterraVisaBusinessCreditCardsfeature:
• RewardsOptions
• GenerousCreditLine
• FlexiblePaymentOptions
• FreeEmployeeCards
• ConsolidatedCompanyStatements
• PaymentControls
• FreeOnlineReportingwithScoreBoard
*The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Business Checking Comparison Chart
Free Business Basic Business
Who Would BenefitFromThisAccount
Best account for low transaction businesses, startups, home-basedororganizations
Mostbusinesses,organizations and non-profits
$100
Freefirstorderofstandard checks (upto$25)
First100freeandthen$.35eachover100
First75freeandthen$.30eachover75
First25freeandthen$.30eachover25
None
Mostbusinesses,organizations and non-profits
$200
First250itemsfreeexcludinginternaltransfers via transfer systemoronlinebanking;$.30eachover250
Nofeeifa$1,500minimumdailybalanceor$3,000averagemonthlybalanceismaintained;otherwise,$7.50monthlyfee
Rightaccountformicro-businesses with growing transactionvolume
QualifyingBusiness Types
PersonalizedChecks
MerchantCardProcessing
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
VisitYourLocalBranchForDetails
MinimumOpeningBalance
PaperItemFees
ElectronicCheck/DebitFees
ElectronicDepositFees
MonthlyFee
Treasury ManagementServices(Some Restrictions Apply)
3
Premium Business Business Analysis
Mostbusinesses,organizations and non-profits
$500
First600itemsfreeexcludinginternaltransfers via transfer systemoronlinebanking;$.25eachover600
Nofeeif$2,500minimumdailybalanceor$7,500averagemonthlybalanceismaintained;otherwise$10monthlyfee
Mostbusinessesand organizations
n/a
RefertoaTreasuryManagementSpecialistfora free account analysis of your account activity
Accountisanalyzedmonthlytodetermineprocessing costs. Anearningscreditmaybeapplied to offset the price of account services
Perfectaccountfor businesses with greater transaction volume
High-transactionvolumeorTreasuryManagementneeds
3 3
Other BuSineSS ServiCeSchecXchangetM
Banterra understands that running a business often requires the need to collect hard-earned moneyin a timelymanner. Banterra partnerswithMoneyTransferSystemstoprovidechecXchange,aservicewhichautomaticallyelectronicallycollectsreturnedchecks. checXchangeTM greatly increases your recovery of bad checks, atnocosttothecustomer,andadditionallyoffersanoptional collection service for those checks that are unable to be collected electronically.
Merchant ProcessingBanterra’sMerchantProcessingSolutions,providedbyOmega,allowcustomerstopayforgoodsandservices with majorcredit and debit cards atyourbusiness.You’llbenefitfrom:
• Guaranteedlowesttotalprocessingcosts
• Latesthardware,softwareandpoint-of-sale solutions(includingchip-cardtechnology)
• 24/7serviceandsupportwithOmega
Tosetupmerchantprocessing foryourbusiness,contactyourlocalbranchorgotoBanterra.com.
ILLINOIS INDIANA KENTUCKY MISSOURI
MEMBER FDIC
Business Checking AccountsBanterra Bank understands your business needs. Whatever the size of your business, we have an account that’s right for you. Let us provide you with a checking solution for your business today.
• FreeBusinessChecking
• BasicBusinessChecking
• PremiumBusinessChecking
• BusinessAnalysisChecking
Free Business CheckingThisaccountisdesignedtofittheneedsofalowtransactionvolumebusiness.Thisproductmaybeagoodmatchforstart-upbusinesses,home-basedbusinesses, and organizations.
• $100minimumopeningdeposit
• First100paperitemsfree($.35ea.thereafter)
• First75electronicchecks/debitsfree ($.30ea.thereafter)
• First25electronicdepositsfree ($.30ea.thereafter)
• Firstcheckorderfree*
*Restrictions may apply; Check order up to $25.
Basic Business CheckingTherightaccountformicro-businessesthathaveagrowingtransactionvolume.
• $200minimumtoopen
• Includesthefirst250itemsfree ($.30eachthereafter)
• Monthlyfeeof$7.50willbewaivedwith $1,500dailybalanceor$3,000average balance
Premium Business CheckingThe perfect account for businesses with greater transactionvolume.
• $500minimumtoopen • First600itemsfree($.25eachthereafter) • Monthlyfeeof$10willbewaivedwith$2,500 dailybalanceor$7,500averagebalance
Business Analysis CheckingThisaccountmaysuityourbusinessifyouhavehightransactionvolumeorTreasuryManagementneeds.
• Accountsareanalyzedonamonthlybasisto determineprocessingandtransactioncosts • Anearningscredit*maybeappliedtooffset the price of account services and activity • Feesformostservicesandactivitiesprovided willbereflectedontheaccountanalysis statement.Someitemssuchasprintedchecks, overdraft charges, wire transfers and stop paymentfeesmaybechargeddirectlytothe account when the service is provided
*Earnings credit is calculated on the account’s available balance (collected balance less the government regulated reserve requirement) for the month.
Workforce BankingBanterra can pass on conveniences and savings to your employeeswhenyousignupforWorkforceBanking. Featuresinclude: • FreeBanterraSmartChoiceCheckingfor90 dayswhichincludesseveralbenefitssuchas identity theft and cell phone protection; small$5monthlyfeeafter90days. • OverdraftProtectionset-upfeewaived($4.50) • Firstorderchecksfree(Standard) • FreeInsuranceQuotes* • FreeFinancialCheckup • FreeSafeDepositBoxorLockerforfirstyear; discountedfeeafterfirstyear. • Receive$200discountonmortgageclosingcosts • Receivea.25%discountonpersonalloans*Excludes Missouri residents.
Cover Photo: Banterra strives to feature actual customers when possible. Photo features Lynn Hassler and Mindy Hassler of Lynn’s Marine, proud Banterra customers.
B U S I N E S S B A N K I N G
BUSINESSCHECKING
BANTERRA BANK SERVICES PERSONAL BANKINGPersonalCheckingPersonalSavingsCDs&IRAsMortgage&EquityOnline&MobileBankingPersonalLoans BUSINESS BANKINGBusinessCheckingBusinessSavingsBusiness&AgriculturalLendingSpecializedLending-Aircraft,CorporateBanking,MachineTool,RV&Marine,TransportationTreasuryManagementBanterraBusinessMobileAppMerchantProcessingchecXchangeTMCheckRecoveryServicePrivateBankingWorkforce Banking
OTHER SERvICESCreditCards–Consumer&BusinessForeignCurrencySecurity&FraudProtectionWire Transfers
866-BANTERRA (226-8377)Banterra.comREV3/2016
ILLINOIS INDIANA KENTUCKY MISSOURI
MEMBER FDIC
Business Checking AccountsBanterra Bank understands your business needs. Whatever the size of your business, we have an account that’s right for you. Let us provide you with a checking solution for your business today.
• FreeBusinessChecking
• BasicBusinessChecking
• PremiumBusinessChecking
• BusinessAnalysisChecking
Free Business CheckingThisaccountisdesignedtofittheneedsofalowtransactionvolumebusiness.Thisproductmaybeagoodmatchforstart-upbusinesses,home-basedbusinesses, and organizations.
• $100minimumopeningdeposit
• First100paperitemsfree($.35ea.thereafter)
• First75electronicchecks/debitsfree ($.30ea.thereafter)
• First25electronicdepositsfree ($.30ea.thereafter)
• Firstcheckorderfree*
*Restrictions may apply; Check order up to $25.
Basic Business CheckingTherightaccountformicro-businessesthathaveagrowingtransactionvolume.
• $200minimumtoopen
• Includesthefirst250itemsfree ($.30eachthereafter)
• Monthlyfeeof$7.50willbewaivedwith $1,500dailybalanceor$3,000average balance
Premium Business CheckingThe perfect account for businesses with greater transactionvolume.
• $500minimumtoopen • First600itemsfree($.25eachthereafter) • Monthlyfeeof$10willbewaivedwith$2,500 dailybalanceor$7,500averagebalance
Business Analysis CheckingThisaccountmaysuityourbusinessifyouhavehightransactionvolumeorTreasuryManagementneeds.
• Accountsareanalyzedonamonthlybasisto determineprocessingandtransactioncosts • Anearningscredit*maybeappliedtooffset the price of account services and activity • Feesformostservicesandactivitiesprovided willbereflectedontheaccountanalysis statement.Someitemssuchasprintedchecks, overdraft charges, wire transfers and stop paymentfeesmaybechargeddirectlytothe account when the service is provided
*Earnings credit is calculated on the account’s available balance (collected balance less the government regulated reserve requirement) for the month.
Workforce BankingBanterra can pass on conveniences and savings to your employeeswhenyousignupforWorkforceBanking. Featuresinclude: • FreeBanterraSmartChoiceCheckingfor90 dayswhichincludesseveralbenefitssuchas identity theft and cell phone protection; small$5monthlyfeeafter90days. • OverdraftProtectionset-upfeewaived($4.50) • Firstorderchecksfree(Standard) • FreeInsuranceQuotes* • FreeFinancialCheckup • FreeSafeDepositBoxorLockerforfirstyear; discountedfeeafterfirstyear. • Receive$200discountonmortgageclosingcosts • Receivea.25%discountonpersonalloans*Excludes Missouri residents.
Cover Photo: Banterra strives to feature actual customers when possible. Photo features Lynn Hassler and Mindy Hassler of Lynn’s Marine, proud Banterra customers.
B U S I N E S S B A N K I N G
BUSINESSCHECKING
BANTERRA BANK SERVICES PERSONAL BANKINGPersonalCheckingPersonalSavingsCDs&IRAsMortgage&EquityOnline&MobileBankingPersonalLoans BUSINESS BANKINGBusinessCheckingBusinessSavingsBusiness&AgriculturalLendingSpecializedLending-Aircraft,CorporateBanking,MachineTool,RV&Marine,TransportationTreasuryManagementBanterraBusinessMobileAppMerchantProcessingchecXchangeTMCheckRecoveryServicePrivateBankingWorkforce Banking
OTHER SERvICESCreditCards–Consumer&BusinessForeignCurrencySecurity&FraudProtectionWire Transfers
866-BANTERRA (226-8377)Banterra.comREV3/2016
