Security Financial Bank

Business Services

Checking | Account Features | Cash Management | Remote Deposit | Loans

Our business community deserves the best products and most responsive support. We pledge both. If you own or manage a business, please stop in and ask how we might help your business prosper.

Checking

	Maintenance Fees	Interest Basis	Check Images	Service Charges
Small Business Checking	None	N/A	$3.00/month for check images	• No charge for first 25 checks, then $0.25 per check. • 50 checks deposited for free, $0.10 charge for each over 50. • No charge for credits. • Free debit/ATM Card transactions.* • Check safe keeping.
Security Business Checking	$5.00/month	N/A	$3.00/month for check images	(These charges are offset by earnings credit) • No minimum balance. • $0.14 charge per debits, checks. • No charge for credits. • $0.07 charge per deposited item. • Free debit/ATM Card transactions.* • Check safe keeping.
Business Interest Checking *Available to sole proprietors and non-profit organizations.	$5.00/month	Tiered	$3.00/month for check images	• No minimum balance. • $0.14 charge per debits, checks. • No charge for credits. • $0.07 charge per deposited item. • Free debit/ATM Card transactions.* • Check safe keeping.
Business Savings	$3.00 monthly charge if below minimum	Compounded monthly	N/A	• $100 minimum balance. • 6 withdrawals per statement cycle. • $1 charge per debit in excess of 6. • First 50 items deposited for free. • No charge for credits.
Business Investors Account	$10.00 monthly charge if below minimum	Tiered & compounded monthly	$3.00/month for check images	• $5,000 minimum balance. • 6 withdrawals per statement cycle: 3 by check & 3 other. • $10.00 charge per debit in excess of 6. • No charge for credits. • First 50 items deposited for free, then $0.10 per item. • Check safe keeping.

*Subject to approval, other financial institutions may impose fees at ATMs not owned by
Security Financial Bank.

If the account becomes overdrawn, the standard NSF and Overdraft fees will apply.
Check Images & Statements on CD-ROM: Monthly - $20.00
Quarterly - $50.00
Semi-Annually - $50.00
Annually - $75.00

Business Account Features

Secure Net Banking

Do your banking from anywhere you can access the internet. You can get current information on clearing checks and your account balance, plus, transfer money between accounts.

Automatic payments and transfers

It’s the smart way to make loan payments and transfer to savings. It’s another free service that can save you a lot of time, and avoid late payment fees.

Business Debit/ATM Card

A better way to manage business finances. It offers you the convenience of accessing your account without having to write a check. Use it to get cash at ATMs and make purchases anywhere Mastercard is accepted.

You can use your Security Financial Bank Mastercard Debitcard without charge at any MoneyPass ATM. Please go to www.moneypass.com for a complete and up-to-date list of MoneyPass ATM locations plus maps and directions.

Visa Business Credit Card

It is a convenient way for you to pay for your business transactions anywhere VISA is accepted.

Telephone Banking

Simply call 715-672-3333 or 888-900-2265 for 24-hour access to your account information. Get your current balance, transfer money between accounts, verify clearing checks, and much more. Plus, it’s free!

Night Depository

24-hour night depositories are available in our Durand and River Falls offices.

Merchant Credit Card Program

Your business can benefit from faster and more efficient access to income from charge card sales.

Cash Management

Take advantage of our Cash Management Banking where you can:

Control multiple accounts
Control account access and set transaction amount limits for each user
View and filter posted transactions by type
Transfer money between SFB accounts, including loan payments*
Originate ACH transactions
Manage direct deposit of payroll
Conduct secure wire transfer requests
Make EFTPS tax payments

* The cut-off time for funds transfers made via Secure Net Banking is 5:00 pm CST. Transfers entered after this time will be processed the following business day.

Secure Remote Deposit

Remote Deposit Business owners:
Bring the bank to you!

If you'd prefer to spend more time at your office rather than driving to the bank to make a deposit, this is for you. With Secure Remote Deposit from Security Financial Bank, your checks can be deposited right from your office with a special scanner and an internet connection. We'll even provide the scanner and install it for you! Run your checks through, hit "Send" and you're done. It's fast, it's simple, and it saves you time.

Call today and let one of our dedicated banking professionals bring you up to speed on one of the latest banking conveniences from Security Financial Bank!

• we provide the scanner and install it for you
• no need to take your checks to the bank
• improves efficiency & profitability
• speed, savings, security

Loans

Commercial/Agricultural Real Estate

Financing for land and commercial buildings
Flexible terms
Amortization periods of up to 240 months

Builder/Developer Loans

Construction loans
Property rehabilitation loans

Equipment Loans

Light and heavy equipment financing
Machinery, computers and furnishings

Lines of Credit

To assist established businesses with seasonal cash flow
Designed specifically for short-term financing

Letters of Credit

Secured and unsecured
Flexible terms and low fees

©2011 Security Financial Bank
Durand (715) 672-4237 • Eau Claire (715) 833-1884 • River Falls (715) 426-6600 • Toll Free (888) 254-0615

Member FDIC Department of Housing & Urban Development