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Business Checking

Business Checking

Are you spending more time on your banking than on taking care of your customers or growing your business?  Quantum National Bank can help.  We offer a wide range of products and services to help you keep your focus where it should be…on your business.  We have three business checking accounts as well as a community checking account, one of which is sure to fit your particular needs. Our options include:

  • Business Classic 
  • Business Advantage 
  • Business Premier
  • Community Checking

All Quantum business accounts have access to:

  • 24-hour telephone banking
  • Night deposit
  • Free online banking
  • Free online bill pay

For further information, click here to send us a secure inquiryLink to Business account application

Business Classic

Ideal for small businesses with basic transactions and credit needs.

  • Opening Deposit:  $100
  • Minimum Balance:  $1,000
  • # of Free items per statement cycle, including posted checks and deposited items:  Up to 150
  • Cost per excess items:  $0.25
  • Check Orders:  No discount
  • Minimum Service Charge*:  $15
  • Business Debit Card:  Yes
  • Mobile Banking:  Yes
  • Remote Check Deposit:  No
  • ACH Origination:  No
  • Merchant Services:  Yes
  • CM Online Banking, Bill Pay, Online Wires:  Yes
  • Relationship Credit:  No
  • Wires:  $20 Domestic/$40 International
  • NSF:  $35 per NSF
  • Payroll Services:  Yes

*Options to Reduce or Waive Statement Cycle Service Charge:  Statement cycle service charge may be waived by keeping a $1,000 Average Collected Balance

Business Advantage

Ideal for small businesses with moderate transaction activity

  • Opening Deposit:  $100
  • Minimum Balance:  $15,000
  • # of Free debits per statement cycle:  Up to 300
  • Cost per excess debit:  $0.35
  • Check Orders:  Up to $50 credit on first check order
  • Minimum Service Charge*:  $15
  • Business Debit Card:  Yes
  • Mobile Banking:  Yes
  • Remote Check Deposit:  No
  • ACH Origination:  No
  • Merchant Services:  Yes
  • CM Online Banking, Bill Pay, Online Wires:  Yes
  • Relationship Credit:  No
  • Wires:  $20 Domestic/$40 International (Up to $20 credit per statement cycle toward outgoing wire transfer fees)
  • NSF:  $35 per NSF (One $35 NSF fee waived per statement cycle)
  • Payroll Services:  Yes

*Options to Reduce or Waive Statement Cycle Service Charge: Statement cycle service charge may be waived by keeping a $15,000 Average Collected Balance

Business Premier

Optimal account for small businesses with high transaction activity or the need for check processing with or without remote deposit capture.

  • Opening Deposit:  $100
  • Minimum Balance:  Analysis (see below)
  • # of Free Transactions, including check writing:  Analysis
  • Cost per excess transaction:  Analysis
  • Check Orders:  Up to $100 credit on first check order
  • Minimum Service Charge:  Analysis
  • Business Debit Card:  Yes
  • Mobile Banking:  Yes
  • Remote Check Deposit:  Yes
  • ACH Origination:  Yes
  • Merchant Services:  Yes
  • CM Online Banking, Bill Pay, Online Wires:  Yes
  • Relationship Credit:  See below under "Option to reduce or waive statement cycle service charge"
  • Wires:  $20 Domestic/$40 International
  • NSF:  $35 per NSF
  • Payroll Services:  Yes (Relationship credit can be applied to service charges)

*Options to Reduce or Waive Statement Cycle Service Charge:  Analyzed account; account maintenance and transaction service charges can be offset by relationship credit and earnings credit.  $100 credit for balance above $30,000 OR $125 credit based on loan relationship. PLEASE NOTE: Some restrictions apply.  See us for details.

Community Checking Account

Charitable, religious and educational organizations* can take advantage of the benefits offered by this account, created with their specific needs in mind.

  • Subject to minimum opening balance of $100
  • No statement cycle service charge if average daily balance is maintained at $2,500 ($15 service charge if balance falls below $2,500)
  • Includes 150 items per statement cycle, including posted checks and deposited items ($.25 per item service charge for items over 150)

*To qualify for this account, the organization must provide proof that it is tax exempt under Section 501 (c)(3) of the Internal Revenue Code.

Click here for more information on our current rates

Business Debit Card

Pay for your business purchases directly from your business checking account without writing a check with Quantum’s Business Debit Card. No forgotten purchases showing up on your month-end bill and no interest charges to worry about. All purchases show up on your monthly statement so your record keeping is simple but you don’t have to carry around a checkbook.

All Quantum’s business accounts include a business debit card at no additional charge, upon request.

 

 

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