Business Products
CHECKING & MONEY MARKET SAVINGS CD’S LOANS SERVICES and SOLUTIONS

Business Checking and Money Market

Empire State Bank knows running a successful business is hard work. Why not get a checking account that makes it a little easier? From our Free Business Checking for those business owners with fewer than 250 transactions per month to Interest Checking for qualified sole proprietorships and non-profit organizations ESB has the right checking account for your business. Discover our Business Money Market that will improve your cash management and maximize your cash flow.

Account Type Opening
Deposit
Monthly Service
Charge
#Transactions
Per Month
ATM/Debit
Card
Interest
Bearing
Free Business Checking
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$100.00 None 250 Yes No
Commercial Checking Plus
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$100.00 None when minimum
balances are maintained
Unlimited Yes No
Interest Checking
more info
$100.00 None when minimum
balance is maintained
Unlimited Yes Yes
Money Market
more info
$2500.00 None when minimum
balance is maintained
6 checks
6 total third
party debits
Yes Yes, with
tiered rates
Attorney Trust Account
more info
$1.00 None Unlimited No No

Free Business Checking
  • No minimum balance required
  • No monthly transaction fee
  • Free Online/Telephone Banking
  • Free Personal Checking (including employees)
  • Lines of credit, equipment, and term loans
  • Letters of Credit
  • Commercial Real Estate Loans


Commercial Checking Plus
  • No fee if minimum daily balance of $5,000 is maintained or $15,000 in combined balances when you link a Business Money Market. Otherwise a $15.00 monthly fee.
  • No monthly transaction fee
  • Free Online/Telephone Banking
  • Free Personal Checking (including employees)
  • Lines of credit, equipment and term loans
  • Letters of Credit
  • Commercial Real Estate Loans


Business Interest Checking (available for Non-Profit and DBA’s)
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  • Low minimum daily balance of $1,000 to avoid monthly fee of $10
  • No monthly transaction fee
  • Free Online/Telephone Banking
  • Free Personal Checking (including employees)
  • Lines of credit, equipment and term loans
  • Letters of Credit
  • Commercial Real Estate Loans



Business Money Market
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  • Minimum daily balance of $2500 to avoid monthly fee of $15 is required
  • Monthly statements
  • Rates are based on the following tiers:
          $0.01 - $2,499.99
    $2,500 - $24,999.99
    $25,000 - $49,999.99
    $50,000 - $99,999.99
    $100,000 and above
  • Interest is compounded daily and credited monthly


Attorney Trust Account

ESB Attorney Trust Account Program is designed to make managing your escrow accounts faster and simpler than ever before.
  • All monthly accounts are consolidated in one easy-to-read statement
  • There are no monthly service charge or minimum balance requirements
  • Write out checks out of a single trust account checkbook
  • Client sub-accounts can be Iola’s or CBTAs, held as NOW accounts or Money Market accounts
  • Interest is reported via 1099 at year end to IRS for each client
  • Free Online Banking



Business Savings
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At Empire State Bank we offer a Business Savings account that requires only $100 to open. There is no monthly service fee of $5.00 when a minimum daily balance of $1000 is maintained. Interest is compounded daily and credited monthly based on the following tiers: 
$0.01 - $2,499.99
$2,500 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and above



CD’s
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Empire State Bank Certificate of Deposits is a safe and secure way to earn a higher return on your investments.
  • Maturities for CD’s range from 3 months to 5 years
  • Minimum balance to open an account is $1,000
  • Interest is compounded daily and credited monthly
  • A penalty may be imposed for withdrawals before maturity

BUSINESS LOANS

At Empire State Bank, we have the personnel and experience to meet your business banking needs along with those of your clients with one major key advantage. You’ll be assured that the decisions on your loan will be made locally. So, you’ll not only deal with someone who is familiar with the area, you’ll receive prompt attention.

HERE ARE A VARIETY OF WAYS WE CAN HELP:
  • Lines of Credit
  • Equipment Loans
  • Term Loan
  • Standby/Performance Letter-of-Credit
  • SBA Loans
  • Commercial Real Estate Loans (fixed and adjustable rates)
          Mixed Use
    Multi-Family
    Construction and Permanent Loans
    Terms available up to 25 years


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