Warren Bank - Business Services

Recognizing that your business is your livelihood, the staff at Warren Bank is ready to assist you in achieving your financial goals. Since your business is unlike any other, we have designed Business Checking and Savings plans to be flexible and diversified.

Basic Business Checking

The basic account is for businesses with limited transaction activity. Small businesses are an ideal candidate for this account since no minimum balance is required and a nominal monthly maintenance fee is assessed. Account features include: thirty checks per month, unlimited deposits, and check imaging.

Business Interest Checking

The Business Interest Checking account earns interest based on the average available funds in your checking account. This account will be beneficial for a business that expects interest income to exceed monthly service charges. Legally, business interest checking accounts are restricted to sole proprietorships, non-profit organizations and government agencies. Account features include: unlimited check writing, deposit processing, and check imaging.

Click HERE for our current rates

Business Money Market Account

A Business Money Market allows your business to maintain liquidity and convenient access of funds. This account features a tiered interest rate structure, so the higher your average available balance, the more interest you will earn. Transactions on this account are limited to and governed by those described in Regulation D which allows six debits per statement cycle, three of these debits may be by check or debit card transaction.

Click HERE for our current rates

Regular Business Checking

The Regular Business Checking is for businesses with higher transaction volumes and the need for more flexibility. Monthly service charges may be reduced or even eliminated by an earnings credit. The earnings credit is calculated on the average collected balance and applied against monthly service charges. Account features include: unlimited check writing, unlimited deposit processing, and check imaging.

Smart Business Checking

The Smart Business Checking offers a business the ability to conveniently manage its finances in an economical manner. This account is designed for small to mid-size business accounts that would have 100 or less transactions a month; transactions include deposits, checks and miscellaneous debits. Employees are also eligible for a Regular Personal Checking with no monthly maintenance fee. Account features include: no minimum balance requirement, no monthly maintenance fee, free internet banking, free online bill payment and free Debit MasterCard usage

Business Loans
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Having an experienced banker on your side when you are ready to secure financing for your company will make all the difference. The highly qualified and motivated lenders at Warren Bank are available to help you finance any number of projects. Both fixed and variable rates are offered with amortization schedules to meet your needs. As a community bank, lending decisions are made locally, the approval process is streamlined and we are able to respond to you in a timely manner

Commercial Real Estate

Real Estate lend

ing has long been the specialty of Warren Bank. Whether you are interested in purchasing a building, or refinancing your current commercial real estate loan, we can help you. Warren Bank offers flexible and convenient terms and will work with you to structure a loan to fit the needs of your business. If it’s time to stop paying rent, or you want to reduce your monthly mortgage payment, call Warren Bank for a professional evaluation.

Development and Construction Loans

If the time is right to develop your property for a commercial or residential project, Warren Bank can help you. We offer competitive terms and rates and may automatically convert your construction loan into an end mortgage without the burden of two loan closings. This may save you thousands of dollars in closing costs and fees.

	Basic Business Checking Business Interest Checking Business Money Market Regular Business Checking Smart Business Checking . Recognizing that your business is your livelihood, the staff at Warren Bank is ready to assist you in achieving your financial goals. Since your business is unlike any other, we have designed Business Checking and Savings plans to be flexible and diversified. Basic Business Checking The basic account is for businesses with limited transaction activity. Small businesses are an ideal candidate for this account since no minimum balance is required and a nominal monthly maintenance fee is assessed. Account features include: thirty checks per month, unlimited deposits, and check imaging. Business Interest Checking The Business Interest Checking account earns interest based on the average available funds in your checking account. This account will be beneficial for a business that expects interest income to exceed monthly service charges. Legally, business interest checking accounts are restricted to sole proprietorships, non-profit organizations and government agencies. Account features include: unlimited check writing, deposit processing, and check imaging. Click HERE for our current rates Business Money Market Account A Business Money Market allows your business to maintain liquidity and convenient access of funds. This account features a tiered interest rate structure, so the higher your average available balance, the more interest you will earn. Transactions on this account are limited to and governed by those described in Regulation D which allows six debits per statement cycle, three of these debits may be by check or debit card transaction. Click HERE for our current rates Regular Business Checking The Regular Business Checking is for businesses with higher transaction volumes and the need for more flexibility. Monthly service charges may be reduced or even eliminated by an earnings credit. The earnings credit is calculated on the average collected balance and applied against monthly service charges. Account features include: unlimited check writing, unlimited deposit processing, and check imaging. Smart Business Checking The Smart Business Checking offers a business the ability to conveniently manage its finances in an economical manner. This account is designed for small to mid-size business accounts that would have 100 or less transactions a month; transactions include deposits, checks and miscellaneous debits. Employees are also eligible for a Regular Personal Checking with no monthly maintenance fee. Account features include: no minimum balance requirement, no monthly maintenance fee, free internet banking, free online bill payment and free Debit MasterCard usage Business Loans ___________________________________________ Having an experienced banker on your side when you are ready to secure financing for your company will make all the difference. The highly qualified and motivated lenders at Warren Bank are available to help you finance any number of projects. Both fixed and variable rates are offered with amortization schedules to meet your needs. As a community bank, lending decisions are made locally, the approval process is streamlined and we are able to respond to you in a timely manner Commercial Real Estate Real Estate lending has long been the specialty of Warren Bank. Whether you are interested in purchasing a building, or refinancing your current commercial real estate loan, we can help you. Warren Bank offers flexible and convenient terms and will work with you to structure a loan to fit the needs of your business. If it’s time to stop paying rent, or you want to reduce your monthly mortgage payment, call Warren Bank for a professional evaluation. Development and Construction Loans If the time is right to develop your property for a commercial or residential project, Warren Bank can help you. We offer competitive terms and rates and may automatically convert your construction loan into an end mortgage without the burden of two loan closings. This may save you thousands of dollars in closing costs and fees.