Business Checking Account

• Open with $100
• FREE unlimited transactions
• FREE business check card*
• FREE descriptive statement
• Avoid $15 monthly service charge with a $1,500 average monthly collected balance
• Overdraft protection available**

Business Interest Checking

• Open with $1,500
• FREE unlimited transactions
• FREE business check card*
• FREE descriptive statement
• Available to Sole Proprietorships/DBAs and
  nonprofit organizations
• Overdraft protection available**
  
• Avoid $15 monthly service charge with a $1,500 daily balance or a $3,000 average daily balance during the statement cycle
  

Money Market Accounts***

• Open with $2,500
• Interest paid monthly
• FREE notary service
• Available as overdraft protection**
• Competitive rates

Business Savings***

• Open with $100
• Avoid $3.00 monthly service fee with a $100 minimum daily balance
• Allowed TWO withdrawals per month (excess at $3.00 each)
• FREE unlimited deposits
• FREE business check card*
• FREE ATM card
• FREE descriptive statement
• Avoid $3.00 monthly service charge with a $100 daily balance

Business Advantage Credit Cards

• MasterCard® or VISA®
• Revolving balance option
• Low variable APR
• Automatic payment/web-pay options
• Individual cards and spending limits
• Option A/Rewards or Option B/No Rewards
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Business Online Banking****

• Transfers to other Oceanside loans or accounts
• Automatic transfers
• Downloadable statements and reports
• Domestic wire transfers
• Online bill pay available
• Customizable employee access capabilities
• Automatic balance alerts
• Advanced security features
• Quickbooks® compatible

ACH Origination****

• Easy to use with 24/7 access
• Employee payroll direct deposit
• EFTPS federal tax payments
• State tax payments
• Cash management funds transfer
• Automatic debit bill payment
• Customer initiated bill payment

Business Lockbox Services****

• Mail payments to lockbox with same-day credit
• View/print/save reports and images
• 24/7 access
• Deterrent to employee fraud

Business On-Demand Deposit**** New!

• Deposit checks without leaving the office
• Ability to view deposits for up to three months
• Ability to print detailed receipt of deposits

Commercial Loans

• Amortizing loans
• Fixed or variable rates
• Low monthly payments
• No pre-payment penalties
• Quick loan inquiry response
• Flexible terms

Commercial Mortgages

• Loans for new construction, purchase or expansion
• Fixed or variable rates
• Low monthly payments
• No pre-payment penalties
• Quick loan inquiry response
• Flexible terms

*Upon approval. ** Overdraft transfer fees may apply. ***Transaction limitations apply.
****Fees may apply.

The U. S. Unlawful Internet Gambling Enforcement Act of 2006 prohibits business customers from processing transactions derived from unlawful Internet bets or wagers through their account(s).