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Business ProductsChecking AccountsBetter Business Checking
Get more of what you’d expect from the business banking experts! Ideal for businesses that normally write fewer than 100 checks per month.
Better Business Checking on AnalysisThis innovative option is designed for high-activity businesses. With this account, you can earn credits based on your average collected balance – then use those credits to offset normal monthly fees! What’s more, if your company utilizes multiple checking accounts, TIB Bank will, upon your request, combine your account balances to determine your total earnings credits!
Monthly fee and activity charges:
If the earnings credit exceeds the total charges, no service charges are assessed for that month. If the total charges exceed the earnings credit, the NET difference is assessed as a monthly charge. All other per item charges are charged directly to the account, i.e., stop payments, overdrafts, etc. Minimum opening deposit: $50.00 Business Interest CheckingThis specialized account is designed for sole proprietors, non-profit corporations, government, and other selected entities as allowed by Federal Regulations.
Minimum opening deposit: $50.00 Business Indexed Interest CheckingTIB Bank delivers again – with specially-designed, interest-earning NOW checking services for non-profit organizations, and for qualified condominium and homeowner’s associations who want their money to work harder. A low minimum opening deposit gets you started and gives you a long list of benefits.
$0.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 & over The account has tiered interest rates based on the Fed Funds target rate minus a margin. Interest is calculated on the ledger balance (account balance the day after deposit) in the account and credited monthly. If the account is closed before the interest is credited, the accrued interest will not be paid. Minimum Opening Deposit: $50 CDARS Program - Get the security of $50 Million in FDIC InsuranceWith the CDARS Program, TIB Bank can provide you with easy access to multi-million dollar FDIC protection on CD investments up to $50 million. You sign one agreement, earn one interest rate, and receive one statement. The CDARS benefits of having one bank, one rate and one statement help to reduce your administrative burden. And with CDARS, we can eliminate the need to monitor change collateral values - another time saving convenience.
Click here for more information on CDARS Savings ProductsBetter Business SavingsThis "statement savings" account provides you with easy access to your funds, with interest which is compounded daily and credited to your account at the end of each quarter. A low minimum balance is all that’s required to avoid service charges.
Minimum balance to earn interest is $100.00 Certificates of DepositFixed Rate TIB offers its customers a choice of time savings instruments from 30 days to five (5) years. The interest rate is determined by the length of time the funds are placed on deposit. Minimum opening deposit: $1,000.00 **Must meet qualifications TIB Business Money Market AccountWant higher interest than a savings account – but with the liquidity of a checking account? A TIB Business Money Market Account may be the solution, offering your business a tiered interest rate that increases right along with your balance! The more you save, the more you earn – while staying current with fluctuating market conditions. Our powerful, high-performing TIB Business Money Market Account can be accessed by check, phone, ATM, and TIBLink Internet banking. This account provides you with the ability to stay current with the rise and fall of rates, without being locked into a fixed rate. Features Include:
$0.00 - $9,999.99 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00 - $499,999.99 $500,000.00 & over Minimum opening deposit: $100.00 Please note that federal regulations require certain transaction limitations on all saving and money market accounts. See the depository agreement for details. EZ Escrow
EZ Escrow is designed for title companies and attorneys or anyone who needs to hold funds in escrow. Eliminates need for multiple accounts and signature cards.
Banking AccessoriesBusiness ATM/Debit Card
Get the purchasing power your business needs with the convenience of a debit card that works like a check and an ATM card!
And because it bears the MasterCard® logo, it’s as convenient as a credit card – without the monthly bills, annual fees or interest charges. Funds are automatically deducted from your business checking account, so there’s no need to wait for check approvals. Business Credit Cards
TIB Bank offers a variety of credit cards with features to meet your financial needs. Review the card offers below and select the one that is right for you and your business! If your credit card is lost or stolen immediately call 1-800-444-6938.
Business Edition® Visa® Card
Business Edition® Visa® Card with Maximum Rewards®
Commercial Edition® Credit Cards
Purchasing Edition® Credit Cards
Merchant Services
TIB Bank has partnered with Elavon to deliver the industry’s leading merchant processing solutions. By combining our banking expertise with Elavon’s premier payment processing network, you can enjoy a one-stop solution for all of your banking and payment processing needs.
Your business is unique and so are its challenges. No matter what type of business you run - retail, restaurant, mail order/telephone order or Internet, we have the solutions you need to optimize your processing services:
Already Accepting Credit Cards? Let us give your Merchant Account a thorough check up. We’ll review your current account to see if we can save you money. You have nothing to lose but higher charges!
TIB’s dedicated Merchant Services Representative is ready to answer your questions about Merchant Bankcard Services.
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