Banking for Small Business

Business Banking Made Easy

Banking for Small Business

At Welch State Bank, we understand that business owners need a banking partner to meet all business financial needs. No matter what industry your business is in, we have an array of financial products to take the stress away from money so you can focus on other business needs. We help by providing services big banks offer, with the personal touch of home town customer service and solutions that big banks often miss.

Premium Business Banking Features

ONLINE BANKING

CASH MANAGEMENT SERVICES

MOBILE BANKING

MOBILE CHECK DEPOSIT

DIRECT MERCHANT

CREDIT CARD MERCHANT SERVICES

TEXT BANKING

Control Your Card 24/7 with CardValet

Instant Alerts Let You Know The Moment Your Card is Used

  • Protect yourself against fraud
  • Customize alerts for your transactions
  • Track Debit Card Spending
  • Turn Your Debit Card on and off

Interactive Video Player

Need help? Use our budget calculator to determine your savings goals

Budget Calculator

Business Checking and Savings Accounts

MORE THAN FREE CHECKING

This is our most economical business checking account offering non-interest bearing checking accounts for business owners.

  • Free Instant Debit Card
  • Free Bill Pay
  • eStatements Required
  • No Intrest Bearing
  • No Monthly Service Charge

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Your Choice Business Checking

This is a non-interest bearing checking account that has a small monthly service charge with great banking features.

  • Free instant Debit Card
  • Free Bill Pay
  • No Minimum Balance
  • Free Online Banking
  • $6.29 monthly Service Fee

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Business Intrest Checking

This business checking account is designed for businesses that maintain a higher balance to receive tiered interest payouts.

  • Competitive Intrest
  • $50.00 Minimum Deposit to Open
  • 1,000 Free Monthly Transaction Items
  • Up to $10K currency deposited per month free

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Best Business Savings Account

We realize there are several reasons to save money, small or big. Our savings account is a great place to save money for your future business needs

  • $50.00 Minimum deposit to open a savings account
  • Interest Bearing with a daily balance of $50.00 or more
  • No Monthly Service Fee
  • 3 free withdrawals per month. a fee of $2.29 will be assessed for any additional withdrawals. After 6 withdrawals in a month, your account could be subject to closure

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Our banking experts are ready to start your business loan process

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Find the Right Business Loan

Finding the right loan to meet your business needs doesn’t have to be difficult. At Welch State Bank, you will work with our lending officers to finding the best business loan option for you and your growing business.

Start Up Business Loans

Looking to start a new business and need financing? Our loan decisions are made locally by who people understand what it takes to start a business!

  • Flexible terms
  • Competitive Rates
  • Unmatched Customer Service

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Equipment Loans

Whether you are looking to replace old, worn out equipment or wanting to purchase brand new equipment, we can help you with financing!

  • Loan terms 3-7 years
  • New or Used Equipment Loans
  • Cash or Equity Down Payment

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Lines Of Credit

Get a secured or unsecured line of credit for your business with several payment options. Only paying interest on the amount that you withdraw.

  • Improve Cash Flow
  • Purchase New Inventory or Materials
  • Purchase New Equipment

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Real Estate Loans

In search of purchasing a new of finance existing commercial real estate? We offer various loans to meet your business needs.

  • Flexible terms
  • Competitive Rates
  • Unmatched Customer Service

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SBA Loans

As an SBA lender, we can help your business grow with several types of SBA loans. We are ready to help you grow your business and meet your financial needs.

  • Purchase or Renovate Real Estate
  • Acquire Fixed Assets
  • Supply Working Capital

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Keep control of your financial health with our Debt to Income ratio calculator

DTI Calculator

Business Investment Opportunities

CDARS | ICS

These services offer the easiest, most convenient way to enjoy access to FDIC insurance on large deposits. Get safety and returns and work directly just one bank, ours, and receive one monthly statement per service. With the Insured Cash Sweep®, or ICS® service and the CDARS® service, you can enjoy the peace of mind that comes with access to multi-million-dollar FDIC insurance and can choose the service or combination of services that best meets your needs for returns and access to funds.

Protecting your deposits while earning a return—now that's smart.

WANT TO LEARN MORE? Click here to see videos and learn more about these services or contact Ciarra Millard at 918-542-2000 for more information.


REST ASSURED

Make even large deposits eligible for protection that's backed by full faith and credit of the federal government.


EARN INTEREST

Enjoy the conveniences of banking directly with us and of earning one interest rate on funds placed into demand deposit accounts through ICS and one rate per maturity on funds placed into CDs with CDARS.


SAVE TIME

Work directly with just us—a bank you know and trust—to access multi-million-dollar FDIC insurance, and forego the need to use repo sweeps or to track collateral on an ongoing basis.


ACCESS FUNDS

With ICS, enjoy unlimited withdrawals. With CDARS, select from a range of maturities: 4 weeks, 13 weeks, 26 weeks, 52 weeks, 2 years, 3 years and 5 years.

BENEFITS OF CHOOSING A CD WITH WELCH STATE BANK:

We offer competitive rates and terms from 30 days to 5 years to meet your savings needs. Open with as little as $500.

 

  • Competitive Rates
  • Deposit any amount with no insurance limit via CDARS
  • Fixed & Predictable Returns
  • Open with as little as $500

Check out our current Certificate of Deposit Specials!

Certificate of Deposit Specials


6 Month 2.20%*
9 Month 2.30%*
12 Month 2.35%*

Effective June 6, 2019. This offer is subject to change at any time without prior notice. Annual Percentage Yield is based on interest compounding monthly. Any changes made to compounding frequency or interest handling may affect yield. A penalty will or may be imposed for early withdrawal. Fees could reduce earnings. $25,000 minimum deposit required.
*Annual percentage yield | Member FDIC

Your next business investment opportunity is waiting

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