Deposit Services
These are the accounts that your business depends upon to meet your everyday banking needs. Investors Savings Bank provides your business with competitive deposit solutions:
Optimize your Business with Optimum Business Banking
Optimum Business Banking joins our Optimum Business Checking Account with our Investors’ Business Money Market Account to give your business the following benefits:
Optimum Business Checking Account:
- 500 Free Transactions per month*
- Unlimited Cash Deposits
- Free Business Online w/ Billpay
- Free Check Images
- Free foreign ATM Usage up to $25 per month
- Free Business VISA Check Card with Business Rewards
- Sweep Protection Available when linked to a Business MMA****
- No Monthly Service Charge**
- Investors Business Money Market with a special APY of 3.75% guaranteed for 6 months paid on balances over $10,000 and up to $2,000,000
- Free Preferred Partner Program for all eligible employees.
- Next day availability on VISA, MasterCard, and AMEX receipts with Investors Merchant Service Processing through First Data***
- Business Line of Credit available***
- Overdraft Line of Credit available***
*$.25 per transaction thereafter
**To avoid $25 Monthly Service Charge $2,500 Minimum Average Daily Balance plus 10 transactions per month
***Subject to qualification and approval.
****Limitations apply
Investors Business Checking
An economical checking account designed for businesses that keep smaller deposit levels and conduct a low volume of transactions per statement cycle. Our Investors Business Checking provides convenient access to funds and account information through a free Visa Check Card, free online banking, and online Bill Pay. Other features include:- No minimum balance requirement
- No monthly service fee
- 500 free transactions per statement cycle($.25 per transaction thereafter)
- Free Business Online
- Free Visa Business Check Card w/ Visa Rewards online
- Free Bill Pay
- Free unlimited cash deposits
- Free Check images
- Sweep Protection available when linked to a Business MMA ($10 per transfer)
Investors Commercial Checking
Designed especially for businesses with high transaction volume and higher monthly account balances. This account gives you:
- Unlimited check-writing with low transaction fees
- Internet access through Investors Business Online
- Earnings credit on balances used to offset monthly maintenance and recurring transaction fees
Investors Business Money Market
This is an interest-bearing account that requires a low opening deposit and minimum balance to avoid a monthly service fee.
- $100 opening deposit
- $2,500 minimum balance to avoid monthly fee
- Transactions/transfers are limited to 6 per statement cycle with no more than 3 by check to a third party
- Internet access through Investors Business Online
- Interest paid on the account; interest rates are tiered:
$24,999.99 or less
$25,000 to $49,999.99
$50,000 to $74,999.99
$75,000 to $99,999.99
$100,000 to $499,999.99
$500,000 to $1,999,999.99
$2,000,000.00 or more
We also offer attractive solutions for Attorney Trust Accounts.
Commercial Sweep Package
Enables the transfer of money to your commercial checking account when that account falls below a predetermined threshold. It also enables you to earn interest on excess cash by depositing those funds into the Business Money Market account.
Investors Not-for-Profit Checking
A unique Checking account designed for non-profit organizations of all types and sizes, our Not-for-Profit Checking offers competitive interest rates with no minimum balance requirement, no monthly service fee, and no per-transaction item fee. Rates are tiered; the larger the balance the higher the rate.
Features
- No minimum balance requirement
- No monthly service fee
- No Transaction Limitations
- Free Business Online and Free Bill Pay
- Free Check images
- First order of Business Checks (free)
Benefits
- Saves money with additional free products and services
- Saves time in managing finances with availability of information
- Provides flexibility for managing money
- Earns competitive interest income
- Saves time because account is easy to use
Account Parameters / Interest Rates Subject to Change without Notice
