Business Banking

Business Banking

Business Checking Accounts

Some banking institutions bury their fees and charges, but we think you will agree that our Business Checking Accounts are straightforward and uncomplicated, with minimums as low as $100 to open the account.

Service Fee Schedule
Based on average collected daily balance during statement cycle


Minimum to Open $100.00
First 100 Transactions* Free
Each Additional Transaction* $.25

*Transactions are debits, credits, ACH & deposit items

–Sole Proprietor

Minimum to Open $100.00
Monthly Fee $10.00
First 200 Transactions* Free
Each Additional Transaction* $.25

 *Transactions are debits, credits, ACH & deposit items

–Corporation, Partnership, LLC

Minimum to Open $1,000.00
Monthly Fee $10.00
Each Check Paid $.15
Each Deposited Item $.10
Each Deposit $.10
Each ACH Item $.05

Earnings credits available based on average daily collected balance – credits offset per item fees.

Insured Business Money Market Account
While you’re worrying about the day-to-day details of running your business, let us make it easy to manage your business accounts. Our Insured Business Money Market account is a secure savings option with a higher rate of return than a checking account. And, you will have ready access to cash for unforeseen expenses or seasonal cash flow needs.

Minimum to Open – $2,500
Tiered rates based on daily collected balance of:

$85,000 or more Rate 1
$50,000 to $84,999.99 Rate 2
$25,000 to $49,999.99 Rate 3
$ 2,500 to $24,999.99 Rate 4
$ 2,499.99 or less no interest paid

Monthly service charge if balance falls below $2,500 – $10.00

Some Restrictions Apply

Cash Management Services
Cash Management Services offer both target balance cash sweep accounts for primary accounts and zero balance accounts for limited use checking accounts such as payroll or loans. This frees up funds to be invested for increased income to the business. In addition, Bank & Trust Company can provide payroll services. Best of all, you receive one, easy-to-read monthly statement reflecting all account activity.


· · ◊· · ◊ · · ◊ · · ◊ · · ◊ · ·


Commercial Real Estate
If your company plans to purchase or enhance your current location, a Commercial Real Estate loan from Bank & Trust Company may be exactly what you need. We offer loans to finance commercial and industrial properties, multifamily and investment properties and vacant real estate.

Our real estate loans offer:

  • Up to 20 year amortization period
  • Ability to match length of loan to the life of the asset, meaning longer terms for major purchases
  • Fixed and variable rate options

Bank & Trust Business Line of Credit
A Bank & Trust Business Line of Credit can give you the cash you need when you need it. Our lines of credit offer flexible terms to help you handle short term needs that may arise.

Preliminary Items Needed to Apply

  • Personal financial statement together with personal tax returns for the last two years.
  • Company balance sheet with profit and loss for the last three fiscal years and most recent interim financial statement.

Call one of our loan officers today to learn how you can use these products with our commercial deposit line and cash management services to create a business package tailored to your needs.

Letters of Credit
Long-standing business customers may qualify for letters of credit to guarantee payment to certain providers of goods and services. Our staff will promptly and expertly review your needs.

Bank & Trust Equipment Loan Financing and Leasing (Non-Farm Machinery)
Looking to expand your current operations or need to replace a piece of equipment? We have the flexible financing programs you need to make it happen. Whether it is for equipment for a medical office or a construction site we may be able to help. Use equipment financing options to match the term of the loan to the life of the asset through long-term amortization, fixed and variable rate programs and no prepayment penalties.

Preliminary Items Needed to Apply

  • Current balance sheet and profit and loss statement.
  • Historic company balance sheet and profit and loss statements for the preceding three years together with company tax returns.
  • Personal financial statement together with company tax returns for preceding two years.

Ag Services
We have a variety of options available to assist you with most of your agricultural financing needs. Whether you need a farm operating line of credit or to purchase new equipment, our experienced agricultural lenders can help tailor a plan to meet your specific needs.

USDA Rural Development Loan
Our loan staff will assist you in completing your loan request to qualify for the USDA guarantees. Funds may be used for working capital, machinery, equipment, buildings, real estate, and in some cases, refinancing.

Farm Real Estate Loans
Farm land purchased for farm related income activity including farm structures such as machine sheds, grain bins and confinement livestock.

Farm Machinery and Equipment
We provide conventional fixed and variable rate financing for machinery and equipment purchases with flexible terms.

Livestock Loans
We offer various financing options for breeding and market and grower stock.

Farm Operating Loans
We have many options for financing annual production of crops and livestock through fixed rate loan and revolving lines of credit. Repayment terms are tailored to match farming cash flow.


Preliminary Items Needed to Apply

Sole proprietors:

  • Current personal balance sheet
  • Cash flow statement
  • Profit and loss statement
  • Two years of business and personal tax returns

Partnerships or Corporations:

  • Current balance sheet
  • Cash flow statement
  • Profit and loss statement
  • Personal financial statements for each guarantor

Our experienced agricultural lending staff understands farming operations in today’s complex agricultural economy. Call one of our branches today to learn more or set an appointment.