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 interested 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 interested 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.

Get started with Business Banking

Please do not send sensitive personal information, financial or otherwise, through an unsecured forum.

Contact Becky Bowers

901.334.0978

bbowers@getevolved.com

Evolve Bank & Trust

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