Business Banking

Big or small, we’ve got your business covered.

No matter what your size, no matter what your needs, explore the many ways Evolve can be your new business partner. From checking and savings, to loans and cash management tools, we’re here to make your work a whole lot easier.


Business Checking

Business banking at Evolve Bank & Trust is designed to make business finances fast and easy. Whether you are an entrepreneurial startup or an established business, a company of one or one hundred employees, Evolve business banking offers anytime, anywhere  convenience. And, with every Evolve business banking account you get the combined benefits of a leading edge financial services institution with more than 90 years of serving the needs of our customers.

eBusiness Checking

  • Minimum to open: $100
  • First order of standard checks FREE
  • FREE eStatements
  • FREE Paper Statements
  • FREE Online Banking
  • FREE Mobile Deposit
  • FREE Bill Pay
  • FREE Foreign ATM
  • ATM/Debit Card
  • FREE First Bank Zip Bag
  • No monthly maintenance fee for if your daily average balance is $2,500 or higher.
  • Does not earn interest
  • No activity fee charges for first 250 monthly items. $0.25 for each additional item.

eCorporate Checking*

  • Minimum to open: $100
  • First order of standard checks FREE
  • FREE eStatements
  • FREE Paper Statements
  • FREE Online Banking
  • FREE Mobile Deposit
  • FREE Bill Pay
  • FREE Foreign ATM
  • ATM/Debit Card
  • FREE First Bank Zip Bag
  • No monthly maintenance fee for if your daily average balance is $2,500 or higher.
  • Account interest subject to approval
  • Activity fees follow Account Analysis fee schedule (standard or custom)

*Account Analysis Required

eCommunity Checking*

  • Minimum to open: $100
  • First order of standard checks FREE
  • FREE eStatements
  • FREE Paper Statements
  • FREE Online Banking
  • FREE Mobile Deposit
  • FREE Bill Pay
  • FREE Foreign ATM
  • ATM/Debit Card
  • FREE First Bank Zip Bag
  • No monthly maintenance fee for if your daily average balance is $2,500 or higher.
  • Account interest subject to approval
  • No activity fees

*NonProfit, Municipalities, Schools


Business Savings

Regular Savings

Our Business Savings account allows you to earn competitive yields on your corporate cash reserves.

  • Minimum to open: $250
  • Competitive Interest Rates
  • FREE Online Banking
  • FREE Online Bill Pay
  • Quarterly Statements
  • 3 FREE Withdrawals Per Month
  • No monthly maintenance fee for Business Savings account if your daily average balance is $2,500 or higher. Otherwise, a $6 quarterly fee applies. Withdrawals exceeding 3 per month are charged $4 per item.

Money Market Savings

Our Business Money Market Savings account allows you to earn competitive tiered interest rates. Let your money work for you!

  • Minimum to open: $5,000
  • Competitively Tiered Interest Rates
  • Free Online Banking
  • Free Online Bill Pay
  • Monthly Statements
  • Six Free Withdrawals Per Month
  • Free Evolve Check Card or ATM Card*
  • No monthly maintenance fee for Business Money Market Savings if your daily average balance is $5000 or higher. Otherwise, a $15 monthly fee applies. Withdrawals exceeding 6 per month are charged $15 per item.

* Subject to approval

High Yield Savings

Our Business High Yield Savings account allows you to earn competitive interest rates to help you grow your business.

  • Minimum to open: $25,000
  • High Yield Interest Rates
  • Free Online Banking
  • Free Online Bill Pay
  • Monthly Statements
  • Six Free Withdrawals Per Month
  • Free Evolve Check Card or ATM Card*
  • No monthly maintenance fee for our Business High Yield Savings if your daily average balance is $5000 or higher. Otherwise, a $15 monthly fee applies. Withdrawals exceeding 6 per month are charged $15 per item.

* Subject to approval.


Cash Management

Evolve Bank & Trust Cash Management products and services take the hassle out of your banking and lets you focus on your business. Whether you’re a small business or a commercial firm, we’re here to save you time!

EVOLVE OFFERS YOU:
  • ACH Origination
  • Direct Deposit Payroll
  • EFTPS Origination
  • NACHA Import
  • Secure File Transfer
  • Wire Transfers
  • Sweep Accounts
  • Positive Pay
  • Recon Services
  • Cash Concentration
  • Zero Balance Accounts
  • Remote Deposit Now
  • High-volume processing

Remote Deposit Capture

Remote Deposit Capture allows you to make deposits right from your desk. Simply scan your checks with the scanner and software we provide and electronic images of your checks are securely sent to us through the Internet for posting and clearing.

Maximize Your Profits
  • Deposit checks more often: Increase your cash flow because you can make deposits as you receive checks instead of waiting for a trip to the bank.
  • Funds availability may be improved: Checks can be deposited, posted and cleared more quickly and efficiently.
  • It’s fast: Why drive to the Bank? Deposit checks in just minutes without leaving your desk.
  • Deposits can be made 24/7: Make deposits after hours or during down time.
  • Avoid manual paperwork: No more copying checks or completing deposit slips.
  • Online reporting just a click away: Retrieve customized reports, check copies and other deposit information.
  • Easy to use: Most businesses find Remote Deposit Capture is simple to use. Our interactive training and customer support team can answer your questions every step of the way.
Security
  • Secure transmission: Your information is transmitted using the most powerful encryption tools in the industry.
  • Deposit confirmation: Print a record of the completed deposit for added peace of mind.

CDs

Certificates of Deposit (CD)

For solid growth or income you can depend on, we offer Certificates of Deposit in a variety of interest rates depending on the maturity interval. You choose the term to meet your financial goals and needs. Multiple interest payment options are available and opening deposits begin as low as $1,000. You can also choose either a non-renewable, single maturity CD or a CD that is automatically renewable with a 10-day grace period. You receive one notice by mail 14 days prior to maturity. Penalties may apply for early withdrawal. FDIC insured up to the maximum allowable by law.


Commercials Loans

Evolve Bank & Trust offers commercial mortgages and specializes in business products and services while providing superior customer service and can offer you solutions tailored to fit your specific needs. Let Evolve Bank & Trust be your financial partner. And remember, with every Evolve commercial loan you get the combined benefits of a leading edge financial services institution with more than 85 years of serving the needs of customers.

Commercial Lending

The money you need to make more money.

Evolve Bank & Trust funds small-balance, income-producing real estate loans. Loan balances range from $250,000 to $10,000,000 and are secured by first mortgages on multi-family, office, retail, industrial, mixed-use properties, land or other real estates. Evolve’s high standards of quality and flexibility allow us to structure each loan individually to best meet your needs. Let Evolve Bank & Trust be your partner in business. Our top priority is to help you grow your business.

Bridge Loans

Filling the short-term gaps.

Evolve Bank & Trust offers interim financing solutions for business owners. Since each bridge loan situation is unique, Evolve’s dedicated team works with our clients to structure transactions that prepare properties for one of Evolve’s permanent loan programs in the most efficient manner. We are committed to meeting your financing objectives and closing timeframes.

Working Capital Lines of Credit

There when you need it.

Keep your company’s cash position in check throughout the year with a working capital line of credit from Evolve Bank & Trust. See your Evolve business banker for details.

Revolving Lines of Credit

What goes around comes around.

Let Evolve Bank & Trust provide a more permanent source of funds to help your business grow with a line of credit secured by accounts receivable or inventory. See your Evolve business banker for details.

Term Loans

Fuel for moving your business forward.

Whether it is new office equipment, workplace improvements, expansion or acquisition, a term loan from Evolve Bank & Trust can help keep your business moving forward. See your Evolve business banker for details.

Letters of Credit

The credit you deserve.

Branch out further by reaching new relationships. Even those overseas. Evolve Bank & Trust gives you the credit support you need to establish accounts anywhere in the world. See your Evolve business banker for details.


Online Banking

With online banking services from Evolve Bank & Trust, it’s safe, fast and easy to stay on top of your finances—day or night, even on weekends or holidays. You can check account balances, view account history, transfer money between your Evolve accounts and view check images – and it’s FREE! With Evolve Payment Manager, you can transfer funds to and from other financial institutions and pay bills online—And remember, with every Evolve account you get the combined benefits of a leading edge financial services institution with more than 85 years of serving the needs of customers.

Free Online Services

THAT’S RIGHT. YOU PAY NOTHING. ZILCH. ZERO. NADA.

Evolve Online Banking is FREE. With this feature you can view and print your account activity and transfer funds between your Evolve accounts. View and print your paid checks 24/7 with a click of your mouse with free check imaging. You can also design and print customized reports of past activity and download your information into money management software, such as Microsoft Money or Quicken.

Evolve Bill Pay

DO AWAY WITH PAPERWORK AND POSTAGE. PAY BILLS ONLINE—FREE!

Once you’ve signed up to access your accounts online, you can also sign up for Evolve Bill Pay which lets you pay and even receive and view your bills online. Bill Pay offers convenience, cost savings and time savings. There is no need to buy stamps, write checks or address envelopes. Pay all your bills online anytime—anywhere you have internet access.

  • Receive, view, manage and pay bills all at one convenient website.
  • Set up email alerts for electronic bill arrivals.
  • Schedule automatic recurring payment rules for each biller.
  • Review bill history and, for some billers, payment posting information.
  • Use multiple funding accounts to pay bills.

Online Security

WE ENSURE YOUR ACCOUNTS ARE SAFE.

Online banking environments require the highest level of confidentiality protection available in the form of 128-bit encryption. Logging into your Evolve online banking account to process your transactions over the Internet will require that your internet browser supports 128-bit encryption. You will see a locked padlock icon in the lower right corner of your browser window. You will also see the prefix “https” in your browser’s address bar, which means the web page is secure.

Look no further for a business account that includes everything you need for hassle-free, profitable banking. Whether you’re looking for business savings, business checking, CDs, lines of credit, and online access, consider Evolve Bank & Trust. We cover all the bases so that you can focus on running your business in the best possible way.

Discover the convenience of an online account. You can quickly handle all of your most vital activities in private. There’s never a reason to stand in line waiting for a teller when access is at your fingertips! However, when you do need to do some banking in person, Evolve Bank & Trust is here for you with several branches throughout Tennessee and Arkansas.

Perhaps best of all, our business banking services are free as long as you maintain the monthly minimum balance. You won’t pay a red cent to be able to handle all your most essential banking functions online. That means more money in your pocket, where it should be, of course. You can do everything online, including paying all your bills.

With online banking, there’s no reason to be in the dark about your account status. Shine a light on your financial transactions with email alerts and detailed financial reports.

Account Security Is Our Top Priority

We take your security seriously! We safeguard access to your online account with 128-bit encryption. Your sessions stay private with no eavesdropping by third parties. Choose a strong password, and you’ll find maintaining account safety is never a problem with our service. Why take chances when you can use secure online banking instead?

How Do Business Banking Services Save Time?

Face it, nobody has extra time these days, especially to handle routine banking chores. That’s where automation and digital transactions come into play. You can have deposits directly transfer into your account, without the need to visit a branch office. E-statements and quick access to transaction details are the reason online banking continues to grow in popularity. Consumers save time every step of the way through convenient access to their checking account.

Bill Pay is a convenient way to organize and schedule your payments to avoid late penalties and fees. Low on stamps, out of checks? No problem. Avoid hassles and extra charges by getting your bills paid on time, every time. Getting rid of paperwork and visits to branch offices reduces the time your staff spends on routine financial operations. Instead, you and your team will have more time and energy to devote to more pressing issues. Our Cash Management Services helps reduce tedious and time-consuming work such as handling checks. Modernize your approach and reap the rewards of higher profitability.

Why Use Our Business Banking Services?

Even for very small businesses, brand new startups or sole proprietors, it’s always a sound idea to separate personal and business finances. Splitting up the two allows for more accurate record keeping.

Beyond establishing an account that helps you keep up with your cash flow, there are numerous potential banking transactions you may conduct, such as entering into commercial loan agreements to secure financing for your business plan. Our business bankers pay attention to your specific needs and help you choose the right business banking products for you.

Every second you spend on managing banking services could be spent doing more lucrative tasks. Put that lost money back in your pocket and leave the service to Evolve Bank & Trust.

Business Credit That Helps You Grow

The savvy use of business credit can help you grow your business, ensuring that you have the cash flow you need while you wait for customers to pay. We handle the full array of services for entrepreneurs, startups, and established enterprises. For 85 years Evolve has been a partner to passionate business people seeking the capital necessary to succeed.

Increasing cash flow is a top priority for all enterprises. Business credit services can help you maintain your funds while using lines of credit to handle routine cash requirements. That way, your company repays the loans after you’re already in the profit.

We have business banking products and accounts for companies of every type and size. Make sure to check with us before going with a competitor’s offer, because Evolve has many options that will save you money.

Build Wealth the Right Way

We offer a full suite of wealth building tools that empower high net worth individuals. Saving and investing has never been easier and we’re here to help you every step of the way. With 85 years of experience assisting clients, we know a thing or two about squirreling away money for the long-term. If you want to supercharge your balance sheet, we should talk.

Never overlook the power of CDs to make money grow. Check out our portfolio of Certificates of Deposit and choose one with the most attractive interest rate and maturity date. For as little as $1,000, you can lock in attractive long-term savings. Experience true security knowing that The FDIC backs CDs, so your money is safe. Reduce risk and watch your cash grow with no stress.

Finally, a Bank Account with Benefits

Business Saving and Business Checking accounts help your company facilitate transactions and manage cash flow. Our competitive services ensure the cash keeps flowing while you focus on the parts of your business that matter most. We’re here to help, and online access allows you to handle transactions on your schedule.

Discover the power of a bank account built with you in mind. If you’re unhappy with your current bank relationship or are just starting out in business, consider Evolve Bank & Trust. We are the go-to choice for growing businesses and have been for nearly eight decades. Our mission is to provide reliable and effective financial services that are suitable for organizations of all sizes. Our staff works tirelessly to ensure meeting our commitment to customer satisfaction.

Meet the Ideal Checking Account

Whether you need a personal or business checking account, Evolve Bank & Trust is here for you and ready to help. We have a full suite of best in class accounts for individuals and organizations.

Checking is an essential function for all businesses. Saving money and experiencing a higher level of service are two fantastic reasons to choose Evolve Bank & Trust. We’re never satisfied until our checking accounts fill all of our customer’s needs.

Start an eBusiness, eCorporate, or eCommunity checking account for only $100 and begin banking today. Save big money on essential services including bill pay and paper statements. There’s no reason to settle for less when our online checking accounts offer you more than other banks’ services. Evolve offers big bank convenience with a personal feel. You won’t even pay a maintenance fee with a daily balance of $2,500 or up. The checking account includes a Debit Card for use at ATMs and is free even at Foreign ATMs.

For companies that use ATMs frequently, the savings add up. Streamlining finances and reducing fees keeps you one step ahead of the competition. Join with Evolve Bank & Trust for unparallelled commercial banking services.

Manage Cash Flow Efficiently

Our line of Trust Cash Management services and products remove unnecessary complexity, allowing business owners to focus on what matters most. We have solutions for small businesses, larger commercial enterprises and everything in between.

Manage your company’s cash flow and streamline all financial transactions, including payroll. When you need a reliable banking partner, look no further than Evolve Bank & Trust. We take pride in our 85-year history of helping businesses achieve their objectives. We will be around for a long time to help you too!

We look forward to working with you to establish a solid financial profile. Handling every aspect of your business requirements means moving to an automated system with management and reporting tools. Cashing checks from customers has never been easier and will never require a visit to a branch. Remote Deposit Capture allows your staff to conduct all check-related operations via your online account.

Experience the convenience of online banking built around your needs, and get back to the work that matters most!

Get started with Business Banking

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Contact Us

866.395.2754

Evolve Bank & Trust

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