DBQ_SBBusiness Banking Brochure

Deposit Accounts

Loans and Lines of Credit

Business Checking Why pay for services you don’t need? Business Checking is an affordable checking account designed for businesses and corporations that require a limited number of transactions each month. Save money with low fees, and save time by taking advantage of our suite of cash management and online services. Business Savings Maintaining a solid savings account can keep your business prepared for anything. From unexpected emergencies to expansion opportunities, this account makes it easy for your business to be one step ahead. Money Market This savings account can yield investment-level earnings, with limited check writing as well, so you can have easy access alongside your increased earnings. Its tiered-rate structure rewards larger balances with higher rates to help you increase your savings faster than you can with a regular savings account. Certificate of Deposit Make the most of your company’s assets with a CD. These risk-free investments usually earn greater rates than savings, yet maintain FDIC insurance. Choose the term length that best suits your business needs and the money will grow all on its own. American Trust’s cash management solution offers flexible, easily tailored banking services that accelerate the availability of corporate cash and minimize collection time of accounts receivable. Business Rewards Visa ® Debit and Credit Cards The need for large petty cash accounts, continuous employee reimbursements for travel or business purchases, expense requisitions, and the need to write numerous checks throughout the month can be eliminated with our Business Rewards Visa ® account. This account simplifies your recordkeeping system, includes benefits such as purchase warranty and automatic rental insurance for automobiles, and can be arranged to include security safeguards to limit employee use. Plus, earn rewards you can use for travel, gifts, and more. Cash Management

Whatever your credit needs may be, we have a solution for you. At American Trust you can count on unmatched personal service through the life of the loan. Visa ® Business and ScoreCard Business Cards Simplify life while improving efficiency in your records system. Your Visa ® Business Credit Card offers you the utmost flexibility to make purchases worldwide when and where you need to and features reliable, local service. You can be confident putting the strength of Visa ® behind your business. Detailed spending reports, card-by-card transaction details, and online access help you get the most out of your business expenses. Plus, with Visa ® ScoreCard Business Card, you can earn points on all your purchases and redeem them for valuable items like travel discounts, electronics, and much more. Business Line of Credit A pre-determined line of credit can help you be prepared for sudden business expenses. Once approved, you can access your line of credit whenever you need it without reapplying, and only pay interest on what you use. Your line of credit also acts as protection for your checking account in case of an accidental miscalculation. Equipment Loans Keeping up with the latest equipment and technology can be a challenge. At American Trust, we are personally committed to your business success, offering affordable loans to purchase or repair the equipment you need. Plus, we make our own lending decisions and service our own loans for fast, trustworthy results. Ask any of our lending specialists to tailor a lending program that works for you and your budget. Commercial Real Estate Loans Every business needs the right space in which to thrive. That’s why we offer our business clients a number of commercial real estate loans. We promise competitive rates with flexible terms to meet any budget. Whether you want to build from the ground up or purchase an existing property, our experts are here to guide you through the process.