• No monthly service charge!
• First 150 transactional items are free. $.30 for each transactional item, over 150, per statement cycle.
• Delegate varying levels of authority to multiple users.
• 15 Free Online Bill Pays per month. $.50 for additional monthly Bill Pays.
• $100 Minimum balance to open

Available Business Banking Services ²

• Mobile Deposit
• Remote Deposit Capture
• Bounce Protection up to $600
• Card Processing Services³
• Business Credit Cards³
• Business Check Cards³
• Courier Services ⁴

• No monthly service charge!
• Interest or Earnings Credit paid on average collected balances.
• Transactional items are only $.20 each
• Delegate varying levels of authority to multiple users.
• 15 Free Online Bill Pays per month. $.50 for additional monthly Bill Pays.
• $100 Minimum balance to open

Available Business Banking Services²

• Mobile Deposit
• Remote Deposit Capture
• Cash Management Services
  • Online ACH
  • Online Wires
  • Positive Pay
• Lockbox Services
• Card Processing Services³
• Business Credit Cards³
• Business Check Cards³

• Interest paid on average collected balance in excess of $2,000. Please ask about our rates.
• $100 Minimum balance to open.
• Six free withdraws per month. $10 per withdraw thereafter in any one statement cycle.

• Interest or Earnings Credit are compounded and paid quarterly.
• $100 Minimum balance to open.
• $5 Monthly balance fee or free with a $500 or more minimum daily balance.
• Three free withdrawals per month. $2 per withdrawal thereafter in any one statement cycle.

By committing to keep your investment with Grand Bank for a longer duration in a Certificate of Deposit (CD), you can earn interest at a higher rate than that of a traditional savings account! Please ask about our current rates and terms.

By taking advantage of Grand Bank’s partnership with CDARS, you can have additional FDIC insurance on available Certificates of Deposit up to $50,000,000 providing you peace of mind as well as receiving one statement for all your investments! Please ask about our current rates and terms.

Whether you are establishing a business or managing a mature company, we understand that businesses need a range of options to support operations and fuel growth. You need customized solutions that meet your specific needs and we are pleased to offer many different types of lending opportunities including:

• Revolving Lines of Credit
• Term Loans
• Equipment or Vehicle Financing
• Construction Loans
• Commercial Real Estate Financing
• Oil and Gas Loans
• Letters of Credit

Make fewer trips to the Bank using Grand Bank’s Mobile with Check Deposit which enables you to:

• Deposit up to 10 checks FREE per statement cycle with any Apple or Android device. Any mobile deposit thereafter is only $1 up to 100.
• Tiered daily and monthly deposit limits to fit your needs
• Extend your daily deposit time to 7:00pm CST*
• Check account balance and transaction history
• Quickly access or transfer funds between accounts
• Pay bills anytime, anywhere (fees may apply)
• Access account statements
• View images of cleared checks
• Login with Touch ID and Facial Recognition on supported devices
• Add your Grand Bank Visa® card to your Apple, Samsung or Google Pay digital wallet to make purchases securely and with a single touch at hundreds of stores and participating apps

• Access account balances and history
• Make one-time and recurring funds transfers
• Pay bills anywhere (fees may apply)
• Make a Grand Bank loan payment from your Grand Bank deposit account
• View and download check images and statements
• Download account information into financial management software including MS Money, Quicken, QuickBooks and Excel
• Set up email notification of payments due, balance amounts, and more

eStatements allow you to securely view, search, save, and print electronic copies of your account statement online.

Grand Bank’s Telephone Banking gives you access to account balances, transfers, and rate information 24 hours a day.

Remote Deposit Capture is a safe, easy and secure way to deposit checks right from your business. There's no more racing to the bank to make deposits. Plus, checks will be in your account sooner, which means better cash flow.

Consider how these Cash Management services could help you operate more efficiently.

• Automated Clearinghouse (ACH) Collection offers you a highly efficient and cost-effective method of transferring funds electronically. ACH’s are automated, convenient, predictable and faster than paper checks and less expensive than high credit card transactions. This product offers customers another convenient payment option—eliminating manual work for them and lessening concern over timely payments.
• The Electronic Payments Core of Knowledge (EPCOR) Corporate User Webpage offers educational materials and resources that will help your business remain in compliance with the rules and regulations governing ACH payments. Please refer to this page for helpful resources, tools for purchase, and FAQs regarding the complexities of the payments industry. Read more at Epcor.org.
• Online wire transfers can be sent one time or on a recurring basis.
• Positive Pay is a secure, online resource that allows companies to review and approve checks presented for payment against their account prior to processing. By systematically marking any unknown items, check fraud is prevented when these items are reviewed and returned before ever clearing your account.

Enjoy the convenience of paying for goods and services with a VISA Check Card. Upon approval, you can use it at most locations where VISA Check Cards are accepted and have those purchases deducted directly from your checking account.

A business credit card* from the Bank that knows you best.

• Credit line sharing & consolidated statements
• Employee cards at no extra cost
• Mobile payments
• Transaction reporting
• Fraud monitoring and zero fraud liability

Your customers prefer your local business, why not keep your merchant services local? At Grand Bank, we offer the latest technology in merchant card processing with outstanding service at the lowest possible cost. Contact your local banker to find out how our Bank can help your business.

Our Retail and Wholesale Lockbox solutions will simplify your accounts receivable administration by offering a convenient way to help you process those payments efficiently and maximize your cash flow.

In addition to Grand Bank’s wholesale Lockbox, we also offer a specialty Medical Platform. This Medical platform provides the conversion of paper EOBs to 835s, ERA consolidation, payment matching and connects health care practices to a HIPAA/HITECH compliant online archive. Contact us today for more information about our Lockbox services.