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Remote Deposit Scanner
The scanner allows you to scan checks and send deposits right from your desktop. |
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Business Banking
Whether you run a small to middle market business, professional service firm or a not for profit organization, finding the right financial partner is essential. Our banking model combines competitive business accounts with flexible financing options.
Call us today to learn more or to schedule a meeting with our business bankers: 410-372-1473.
Business Lending Options
Business Banking Services
Cash Management & Commercial Services |
 Business Accounts |
Business Internet Banking (BIB) |
Small Business Checking |
Account Reporting & Transfers |
| Remote Deposit for Business Accounts |
Merchant Services |
Learn more |
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Cash Management & Commercial Services
Business Accounts
Small Business Checking
Perfect for a small business
» $50 to open
» 225 free transactions per month
» Free Business Internet Banking – Basic Service
» A $1,500 minimum monthly balance is required. If the balance falls below $1,500
there will be a monthly service fee of $15.
» $.12 for each check or deposited item over 225 items
Premier Business Checking
Monthly analysis account designed for larger commercial accounts with substantial activity
» $100 to open
» Monthly transactions and computation of an Earnings Credit Rate determine balance
requirements.
» The Earnings Credit is indexed to the 91 Day Treasury Bill and works to offset fees.
» Free Business Internet Banking – Basic Service
Business Advantage Checking
Available only to sole proprietor
» No monthly service fee
» Competitive tiered interest rate
» $50 to open
» 225 free transactions per month
» Free Business Internet Banking – Basic Service
» No monthly minimum balance
» $.12 for each check or deposited item over 225 items.
Non Profit Checking
Available only to non profit organizations
» No monthly service fee
» Competitive tiered interest rate
» $50 to open
» 225 free transactions per month
» Free Business Internet Banking – Basic Service
» No monthly minimum balance
» $.12 for each check or deposited item over 225 items.
Business Money Market
Maximize your investment funds
» Pays a competitive interest rate tiered to match your balance: the higher the
balance the higher the interest rate.
» Limited to six transactions per month
Business Savings Accounts
Perfect for accounts with a low volume of monthly transactions
» Pays a flat interest rate.
Zero Balance Accounts (ZBA)
Centralizes and maximizes available funds from multiple accounts
» Links multiple disbursement accounts to your master account and increases
efficient use of funds.
Target Balance and Sweep Accounts (Available March 1, 2008)
Maximize funds in your main account by sweeping money to and from other accounts.
» At the end of each business day the net cash position of your commercial checking account is calculated after all transactions have posted.
» If the balance in your checking account falls below your target balance, money is
swept from your main account to the checking account to bring it back to the
established target balance.
» If there are excess funds in your checking account, those funds are swept to your
main account.
Special Commercial Services
Meet the needs of attorneys, executors and estate personal representatives
Specialized accounts such as IOLTAs and Estate Checking Accounts
Business Internet Banking (BIB)
This powerful cash management tool provides you access 24/7 to your entire banking relationship with Bradford. BIB allows you to bank whenever and wherever it is convenient for you and includes the following services:
Account Reporting View balances and transactions instantly. Choose Quick Balance for a single screen snapshot of all account balances. For details, click and view transactions for each account.
Account Transfers BIB allows you to readily transfer funds between your Bradford accounts. Express Transfer immediately moves funds from one Bradford account to another. With Book Transfers, you set up templates for reoccurring transfers from one account to many or from many accounts to one.
Bill Payment Pay your company’s bills online and eliminate writing checks, buying envelopes or searching for stamps. Just set up your payees, key in payment amounts and click “transmit.” Bill Payment maintains records allowing you to quickly research payment histories. Add, change or delete payees at any time.
ACH Payments and Collections Use ACH Payments to electronically pay employees via direct deposit, pay vendors, or reimburse employees for expenses. With ACH Collections, you can electronically collect scheduled payments, eliminating the labor and expense of invoices. This service is perfect for health clubs or dues organizations. You can also use ACH Collections to accumulate funds from other financial institutions into your Bradford accounts.
ACH Federal and State Tax Payments Electronically processing federal and state tax payments saves you time and money. Once you have registered in the IRS EFTPS program, use BIB to process your required tax payments. BIB will also maintain your payment history, simplifying your research.
Wire Transfers Process outgoing wire transfers from your desk. Simply enter the wire transfer information into BIB and transmit that information to the bank. Wire transfer templates can be set up and saved for repetitive wire transfers, saving you time and eliminating keying errors.
Stop Payments Place a stop payment on a single item or a range of items with a few key strokes.
View Images of Paid Checks With one click you can view an image of the front and back of each check paid against your account. This feature allows you to monitor activity and reconcile your account without having to wait for your monthly statement.
Payment Verification Verify check payment information. Sign on daily to view images of checks paid against your account the night before and make sure that payee and amount information are correct. If not, notify the bank by 10:00 a.m. and we will return the check and credit your account. This service helps prevent fraud and provides you with the knowledge that checks were paid properly.
File Transfers Transfer files to and from BIB to various accounting packages and informational software.
Loan Account Information BIB can provide access to your Bradford loans and lines of credit. View balances, make payments and perform transfers to and from your loan accounts.
Administration You control who within your organization can view banking information and/or process transactions. You can vary security levels depending on the job functions of your staff.
Customer Support BIB is easy to use. If you do run into problems, help is at your fingertips. The system has help screens to guide you through most issues or you can contact customer support at any time.
Remote Deposit for Business Checking
Now with Bradford Remote Deposit, innovative software and Web technology allow you to deposit your checks accurately and securely while never leaving your office. Using a secured Internet connection and check scanner, your PC becomes a deposit portal that transmits check images directly to your Bradford Business Checking.
Remote Deposit
» Is convenient and safe.
» Increases cash flow.
» Allows for corrections and additions.
» Extends your deposit window until 6:00 p.m.
» Saves you time.
Try our demo
Bradford can provide Merchant Credit Card Processing Services for your organization. This service allows merchants to accept credit and debit cards for payment. Cards accepted include Visa, MasterCard, Discover and American Express. Other programs such as merchant gift and debit card programs can be arranged.
