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Commercial Services
Business Banking is different at FIRST FEDERAL. You know it
as soon as you meet us.
Timely answers, personal attention, knowledgeable bankers who are responsive to your business - Expect all that and more when you entrust your business to us. We are locally owned, so decisions are made down the hall instead of across the country. They are not based on an impersonal formula, but rather a customized assessment of your needs. Our business bankers provide decades of experience working with hundreds of companies in an array of industries to provide sound financial advice and expertise.
Commercial Deposit Services
Commercial and Small Business Checking
Choose from two options depending on the services your business needs, balances you carry, and transaction volume. Commercial Checking is a robust account for businesses that require many banking features and have high balances and many transactions. Small Business Checking is a solid account for smaller companies that conduct basic banking activities and have lower balances and transactions.
Commercial Money Markets
This account is a great option for businesses that want higher market earnings but require occasional access to their money. Partner it with a checking account and use sweeps and transfers to make your money work more efficiently for your business.
Health Savings Accounts (HSA)
If your business has considered offering HSA tax-exempt savings accounts to minimize employees' out of pocket expenses, work with an expert. FIRST FEDERAL bankers specialize in HSAs and will walk you through the features, benefits and requirements to implement a successful program for your company.
Customized Employee Accounts
Special banking accounts and perks are available to your employees at no cost and no effort to your company. Interest-earning accounts, discounted loan rates and free first order of checks are a few of the benefits of which your employees can take advantage. We do all the work... you receive all the glory!
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Commercial Lending Services
Commercial Loans & Lines of Credit
Ready to expand, relocate, update, renovate or purchase new equipment? A fixed term loan or line of credit can give you the funds you need for capital expenditures or cash flow. At FIRST FEDERAL, we have competitive rates and terms!
Small Business Administration (SBA) Loans
SBA loans make the dreams of entrepreneurs come true every day. FIRST FEDERAL is a lending partner of the SBA. We work with small businesses - from start-ups to established companies - to provide low-cost loans with reasonable terms.
Corparate Credit Cards
Powerful, Flexible and Convenient - a corporate Visa card is an easy way to pay for daily expenses without tying up working capital. It also ensures that you have money available for unexpected oppertunities and expenses.
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Other Commercial Services
Online Banking
Every business owner needs more time... we can help give it to you, thanks to free online banking. View account information, transfer money, and verify deposits, when it's convenient for you. Make payments day or night with free Online Bill Pay. It's secure, smart, and so easy!
Sweeps
Make the most of your cash by moving money to where it can work best for you. Sweep extra cash into a money market for higher earnings or to your line of credit to pay down the balance. Or, sweep money into your checking account from a line of credit for added cash flow.
Remote Item Capture
When you have deposits to make, but no time to make them, use Remote Item Capture. Scan checks and deposit them into your account electronically right from your desk, anytime it's convenient for you!
Lock Box
Increase cash flow and reduce time spent handling customer payments by directing them to a lock box. We retrieve the payments, process them and credit them to your account the same day.
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