• Switch Kit
• Business Deposit Accounts
• Business and Non-Profit Organization Interest-Bearing Accounts
• Business Loans
• Treasury Management
• Business Manager
• Other Business Banking Services
• Business Banking Brochure

When you walk into your bank, there should be no doubt that you have made a sound business decision for your business. Welcome to Red Mountain Bank. We offer your business immediate access to knowledgeable bankers with years of banking experience, the ultimate in flexibility, and quick response times. You deserve no less than to be greeted by name and for your bank to know you and your business well. At Red Mountain Bank, you can be assured that not only will we know you, but we will understand your business. From checking accounts for businesses of every type and size, to commercial loans and treasury management services, Red Mountain Bank offers accounts that are as hard-working as you are.

• A personal banker that is with you every step of the way
• Free Internet Banking
• Free Online bill pay
• Free e-statements
• Free Business Debit card (subject to credit approval)
• Free ATM usage and automatic refund of other banks’ ATM fees

Simple Business Checking
A basic checking account for businesses with minimal account activity per month.

• Includes all of our standard features
• Open account with as little as $100
• No monthly maintenance fee on $2,500 minimum balance ($5 monthly maintenance fee if falls below $2,500)
• 20 items processed⁽¹⁾ at no charge per statement cycle ($.25 for each item in excess of 20 per cycle)

Small Business Checking
An upgraded account for businesses with a moderate amount of account activity per month.

• Includes all of our standard features
• Open account with as little as $100
• No monthly maintenance fee on $5,000 minimum balance ($10 monthly maintenance fee if falls below $5,000)
• 200 items processed⁽¹⁾ at no charge per statement cycle ($.25 for each item in excess of 200 per cycle)

Commercial Business Checking
Our premium business checking account for businesses that have larger volumes of account activity per month.

• Includes all of our standard features
• Open account with as little as $100
• Receive earnings credit for average balances maintained in your account, which may offset some or all of the service charges that otherwise apply (based on average collected balance)
• See Red Mountain Bank fee schedule for analysis details
• No minimum balance requirements

• $1,000 minimum opening deposit
• No monthly maintenance fee on $10,000 minimum balance ($10 monthly maintenance fee if balance falls below $10,000)
• Earns competitive interest rates based on four-tiered rate structure
• Limited transaction account⁽²⁾

Non-profit/Religious Organization Money Market Account

• $1,000 minimum opening deposit
• No monthly maintenance fee on $10,000 minimum balance ($10 monthly maintenance fee if balance falls below $10,000)
• Earns interest based on two-tiered rate structure
• Limited transaction account⁽²⁾

Non-Profit/Religious Organization Checking – Available only to sole proprietorships, government agencies and non-profit organizations

• $1,000 minimum opening deposit
• No minimum balance requirements
• Interest-bearing account with a competitive interest rate
• 125 items processed⁽¹⁾ at no charge per month
• Anything over 125 items processed is subject to Commercial Banking service charges. See Red Mountain Bank’s Fee Schedule for analysis details.
• Includes all of the standard features of Red Mountain Bank’s other Business Deposit Accounts

⁽¹⁾ Items processed includes deposits, deposited items, checks and debit transactions
⁽²⁾ See account disclosure for limits

Investment Sweep Accounts
This account is designed to help all types of businesses, including non-profit and religious organizations, earn the maximum amount of interest on all excess collected balances without the hassle of manually moving money every day. Generally, balances in excess of $50,000 are needed to offset monthly fees for this service. See your Personal Business Banker for more details.

Commercial Revolving Lines of Credit
A revolving line of credit for your business offers you access to working capital when you need it. This availability allows your business the freedom and flexibility to support a variety of short term cash flow needs including inventory purchases, accounts receivable financing or vendor payments during your sales and collection cycle. These lines of credit are usually secured by your company’s accounts receivable, inventory, real estate or other business or personal assets.

Equipment Leasing
Equipment financing can be a cost-effective way to maintain the operating capital you need while acquiring the equipment necessary to meet the needs of your customers. We offer term loans and equipment leasing options to serve a variety of needs and situations.
(See Equipment Leasing page for additional information -
http://www.redmountainbank.com/equip_leasing.htm)

Commercial Real Estate Loans
We create customized and individually-tailored terms for each project, whether it involves acquisition, construction/development or bridge financing. We do this by listening to you and understanding your transaction first, then customizing a solution that best suits your situation. We promise to deliver straight forward solutions to both simple and complex deals alike.

• Construction/ Mini-perm Financing
• Bridge Financing
• Acquisition and Development Financing
• Term Financing

Loans for Residential Developers and Homebuilders
With our experienced lenders, we understand the specialized financing needs for the construction and development industry. We have the capability to finance a wide range of projects regardless of size, from the custom homebuilder and remodelor, to the larger construction and subdivision development companies.

• Construction loans for speculative or presold homes
• Acquisition and development loans for subdivisions
• Lot Loans

Other Specialized Lending
Red Mountain Bank wants to address the needs of your business to ensure its success and longevity. SBA loans, letters of credit, and a number of relationship-based lending services are available to support your business needs. Our experienced staff is ready to discuss your needs in the personal and dependable manner you expect and deserve.

Remote Deposit
Make deposits with ease directly from your desk. Save time and money by logging into a website, imaging your deposit through a scanner provided by the bank and connected to your computer, and submitting the images directly to the bank! No more time wasted as you fight traffic while making trips to the bank…and no more missed deposits when the mail arrives late.

Internet Banking
No matter where business takes you, with Red Mountain Bank your financial world is always within reach. Internet Banking allows you to view balances on your checking, money market, or loan accounts. Additionally, you can transfer funds, view check images, make loan payments, initiate wire transfers, request stop payments on checks and more.

Electronic Bill Pay
With Electronic Bill Pay, never make a late payment again! Consolidate all of your bills in one location and make payments online in just minutes. It’s fast, secure, and ready when you are.

Direct Deposit
Save time and never write out a paper payroll check again. You can arrange for funds to deduct from your bank account and automatically transfer to your employees’ bank account on the date you designate.

Payroll Cards
Payroll cards allow you to offer direct deposit to your employees that do not currently have an established banking relationship. These cards offer flexibility through cash withdrawals at any ATM or usage with any merchant that accepts MasterCard.

ACH Origination
ACH origination allows you to electronically move money, but not just for direct deposit. You can use ACH origination to consolidate funds for cash concentration, collection of receivables through automated drafts, and funds disbursement. Manage your money more efficiently by knowing it will be where you need it when you need it.

Investment Sweeps
A product designed to help businesses earn the maximum amount of interest on all excess collected balances without the hassle of manually moving money. With this automated investment tool, interest is accrued daily and credited the last business day of each month. Your money automatically goes to work for you immediately when deposited and stays at work for you to cover payments from your account on the day it is needed.

Line of Credit Sweeps
This service links your checking account to your line of credit. It automatically advances funds to the checking account when money is needed to cover checks presented for payment. Additionally, it pays down the outstanding principal balance on the line if excess cash is available.

Target Balance Accounts
Target balance accounts (also known as zero balance accounts) are designed to pool funds into a central account to maximize the use of your cash. Consolidating funds will enable you to earn more interest or reduce interest expense until the day it is needed for disbursement.

CD-ROM image archive
CD-ROM image archive is the perfect solution for saving your bank statements and your check images. It is a quick and easy reference tool and an easy solution to storage issues.

Pre-loaded travel and expense cards
These cards allow you the flexibility to disburse just what is needed for you or your employees while you travel. This allows everyone to feel more secure about their spending and allows you control on the amount. They can be used anywhere MasterCard is accepted.

• Improve cash flow - With predictable cash flow, you can make payroll, remit payables on time, increase inventory, and pursue new business opportunities.
• Save time and money - Take advantage of prompt payment discounts from suppliers and get back to doing business.
• Manage your operations - Track receivables with detailed reports, reduce or eliminate debt, maintain a liquid working capital position, and prevail in seasonal fluctuations.

Business Credit Card
Enhance your purchase power and control with Red Mountain Bank MasterCard or Visa card (subject to credit approval) for businesses. Simplified expense statements, multiple spending controls and universal card acceptance are just some of the features you will enjoy from the world’s most trusted name in payment cards.

Merchant Services
Your clients want options for the way they pay. Credit card acceptance is a great way to give them the options they want. Let us put a plan together for you to maximize your bottom line.

IOLTA Trust Account for Attorneys

Wire Transfers

Gift Cards