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.

In compliance with Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notifies you that restricted transactions are prohibited from being processed through any account with our bank. As of June 1, 2010, Regulation GG prohibits restricted transactions in your account. Restricted transactions include, but are not limited to checks, debit or credit card transactions, ACH or drafts that are knowingly accepted in connection with unlawful Internet gambling. We may block or reject any restricted transactions or close any account we believe is in receipt of such transactions. If this doesn’t apply to your business, no action is required. Contact us for further details.