Business Accounts

Treasury Management Solutions

Our Online Banking Business portal has additional solutions to manage your accounts effectively and securely. We offer

• ACH Origination for payroll
• Sweep to Investment
• Corporate Check Capture
• Positive Pay
• COMING SOON: Business Superior Interest Checking

Additional FDIC Insurance through IntraFI

Nobody has ever lost a dime on FDIC insured deposits up to $250,000. For those customers who have questions about whether additional insurance coverage is needed, we are ready and prepared to assist you in identifying whether additional coverage is necessary and ensuring your deposit needs are met. There are ways to structure account ownership to get more coverage through joint accounts, etc. than the basic $250,000 and we would be glad to review your particular situation.  Beyond account structure, we are members of a group of around 4,000 community banks that have a program that allows us to insure deposits under a single name, products like ICS and CDARS, to place deposits in a way to ensure all deposits have coverage.

Business checking accounts include the following benefits:

• Free ATM Use “Out of Network” (however fee may apply by ATM Owner)
• Free ATM Use “In Network”
• Free Online/Mobile Banking
• Free Bill Pay
• Free Direct Deposit
• Free Check Images with Statements
• FDIC Insured up to $250,000

Business Savings

Whatever you use your savings account for, we’re here to make it more rewarding!  Our accounts offer competitive interest rates with the peace of mind of FDIC insurance.  Explore the options above to get started saving today!

Certificates of Deposits (CDs)

Put your money to work with a Certificate of Deposit and earn a higher interest rate than a traditional savings account. CDs offer a great way to maximize your earning potential with a guaranteed return on your money.

• Available in terms from 6 months up to 3 years.
• Minimum deposit of $1,000 to open.
• Automatically renews following a 10-day grace period after the maturity date.
• Interest can be added to the CD or to another account of your choice.
• No maintenance fees.
• Additions not permitted during term of CD.
• Early withdrawal penalties may apply.
• FDIC Insured.

Business VISA Debit Card

AllNations Offers an initially Free ATM/Debit Card with each account.

Lost or damage cards may have a replacement charge.

VISA Business Debit Card Benefits:

Travel Smarter & Save

Visa Business cardholders receive Auto Rental Collision Damage Waiver (CDW) coverage that reimburses for theft or collision damage to eligible rental vehicles, up to the car’s actual cash value.

🚘 What the Benefit Covers
• Collision and Theft Damage: Reimburses for physical damage or theft of the rental vehicle.
• Rental Car Value Limit: Covers vehicles with a manufacturer’s suggested retail price (MSRP) of up to $75,000 when new.
• Rental Periods:
• Up to 15 consecutive days within your country of residence.
• Up to 31 consecutive days outside your country of residence.

✅ Eligibility Requirements
To activate coverage:
• Use your Visa Business card to pay for the entire rental transaction.
• Decline the rental agency’s collision damage waiver (CDW/LDW) at the counter.
• The cardholder must be the primary renter of the vehicle.

🚫 What’s Not Covered
• Liability for injury or damage to others (people or property).
• Loss or theft of personal belongings inside the vehicle.
• Damage to other vehicles or property.
• Exotic, antique, or certain luxury vehicles, trucks, motorcycles, and off-road vehicles.
• Rental periods exceeding the covered duration.

📄 How to File a Claim
• Notify the Benefit Administrator within 45 days of the incident directly at 1-800-348-8472.
• You must report the incident within 45 days and submit the claim form within 90 days.

• Submit documentation (e.g., rental agreement, police report, repair estimate) within 90 days.
• Claims are typically processed within 15 days of receiving all required documents.

🌍 Coverage Type
• Secondary coverage in the U.S.: It pays only after your personal auto insurance.

CDW Disclosure: Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered AllNations Bank business debit card when purchasing the rental.

Protect Your Business Assets

Purchase Security & Extended Protection
When you buy new equipment—laptops, phones, or office furniture—your card has your back.

🛡️ Purchase Security: If an eligible item is stolen or damaged within the first 90 days of purchase, it can be repaired, replaced, or reimbursed up to $10,000 per claim.
⏳ Extended Protection: Double the original manufacturer’s warranty (up to one additional year) on eligible warranties of three years or less.

📝 How to File a Claim:

• Who to contact: The Benefit Administrator directly at 1-800-848-1943.
• Timeline: You must notify the Administrator within 60 days of the theft/damage and submit the claim form within 90 days.
• Police Report: For theft cases, you must file a police report within 48 hours of the incident.

Important Disclosures: Purchase Security/Extended Protection: Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered AllNations Bank business debit card for your purchase of the equipment or furniture.

Roadside Dispatch®

Roadside Dispatch® is a 24/7 pay-per-use roadside assistance program available to Visa business debit cardholders, offering services like towing, jump starts, and lockout help for a flat fee per call.
Here’s a breakdown of what the service includes and how it works:
🚗 What Roadside Dispatch Offers
For a flat fee of $79.95 per service call, Visa business debit cardholders can access the following services:
•   Towing: Up to 5 miles included
•   Tire Changing: Must have a good, inflated spare
•   Jump Starting: Battery boost
•   Lockout Service: Assistance if you’re locked out (does not include key replacement)
•   Fuel Delivery: Up to 5 gallons (you pay for the fuel)
•   Winching: If your vehicle is within 100 feet of a paved or county-maintained road
🧾 Key Features
•   No membership or pre-enrollment required
•   No annual dues
•   Unlimited usage — you can use it as often as needed
•   Available 24/7, anywhere in the U.S.
📞 How to Use It
Call 1-800-VISA-TOW (1-800-847-2869). A representative will:
•   Ask for your location and the nature of the problem
•   Stay on the line while dispatching a service provider
•   Ensure help is on the way
⚠️ Important Notes
•   The service is pay-per-use, not a subscription.
•   Additional mileage or services beyond the standard offering may incur extra charges.
•   Availability and pricing are subject to change, so it’s wise to confirm details before relying on the service.

Roadside Dispatch® DISCLOSURE:

Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances. Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor AllNations Bank shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor AllNations Bank provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $79.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.
 

Safe Deposit Boxes

We offer a wide selection of Safe Deposit Boxes for rent at competitive prices.

Online Banking

Now you can bank anytime, anywhere!

• Check Account and Loan Balances
• View Transaction Activity
• Transfer Funds Between Accounts
• Make Loan Payments
• Sign Up For Online Statements For Free
• View Check Images & Online Statements
• Download Account Activity
• Pay Bills Online
• Request Stop Payments
• Sign Up For Alerts

Mobile Banking

Access your accounts from any mobile device anytime, anywhere. Deposit checks, see account balances and history, pay bills and more!

Enjoy Mobile Banking Benefits:

• Instant account balances
• Transaction history
• Transfer funds between accounts
• Account alerts
• P2P payments
• Pay bills and schedule payments
• Debit card management
• Increase spending limit for up to 30 minutes
• Instantly freeze or unfreeze your card
• Change your PIN
• Set travel notifications
• Sign up for alerts
• Message support

Deposit Capture

Depositing checks with your phone is a snap.
Just use AllNations Access and you can make deposits:

24/7
You don’t have to worry about business hours or closing times

ANYWHERE
Whether you’re home or out and about

HASSLE-FREE
No need to drive anywhere, so you can enjoy more free time

ALLNATIONS ACCESS APP
Go to the Apple or Google Play Store to Download the AllNations Access Mobile App today!

Financing Solutions for your Business

We are here to serve our commercial clients across many industries with superior service and the innovative banking products they expect to run their business efficiently.

Please contact us for additional information on any of the following types of commercial loans we offer:

• Commercial Real Estate Term Loans – Land, Rental or Commercial Property
• Construction Loans
• Equipment Financing
• Working Capital Loans
• Revolving Lines of Credit
• Small Business Loans
• Letters of Credit

Or Apply Here

Use our financial calculators!

Agricultural Loans

FSA Loans

Ag Farmland

Farm Equipment

Crops or Cattle

Mortgage Loans

We’re here to help!  – Whether you’re a first-time business owner or a seasoned business owner, we have the solution for your specific goal.

If you need money now, contact us for any of your loan requests!