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Moody Bank Logo Personal Business Wealth Management Resources About us

Spend 

We’re your one-stop bank for the options, tools and resources you’ll need at every stage of your business’ growth. Safeguard, oversee, grow and get access to your funds whenever you need them.

 

  Small Business Checking Commercial Checking Moody Plus SP/NPO Checking Moody Treasury Fund
Minimum Opening Balance $100 $500 $1,500 $1,000,0001
Minimum Balance Required $0 $0 $1,5002 $1,000,000
Monthly Service Charge $03 $12.50 $10 $0
Interest Bearing Account    
E-Statements  
Online Banking  
Bill Pay $10 $10 $10  
Mobile Banking4  
Additional Benefits Treasury Management Services available Treasury Management Services available Treasury Management Services available

FDIC insured up to

$30 million

 

1 Must open or maintain a Moody Bank checking account with a minimum balance of $100,000. Remaining funds will be swept to Treasury Fund (minimum combined balance must be $1,000,000). 

2 Minimum balance in order to receive disclosed annual percentage yield.

3 Limited to 100 free debits per month. 50 cents per debit transaction after 100.

4 Mobile Banking requires enrollment through Online Banking and download of the Moody Bank mobile app. View the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone and Android devices. Mobile deposit limit is $3,000 per day.

Save 

Put your hard-earned money to work. Whether your end goal is management or growth of finances, explore our range of accounts and start saving your way.

 

 

  Commercial Savings

Commerical

Money Market

Moody Community

Money Market

Moody Commerce

Money Market

Minimum Opening Balance $250 $2,500 $500,000 $1,000,000
Minimum Balance Required $250 $2,500 $500,0001 $1,000,0001
Monthly Service Charge $3.50 $102 $0 $0
Interest Bearing Account
E-Statement
Online Banking
Mobile Banking3
Free Transactions per Month 6 free pre-authorized or 3rd-party transfers per month 6 free pre-authorized or 3rd-party transfers per month 6 free pre-authorized or 3rd-party transfers per month 6 free pre-authorized or 3rd-party transfers per month

 

¹ Minimum balance in order to receive disclosed annual percentage yield. 

2If balance falls below required minimum.

 Mobile Banking requires enrollment through Online Banking and download of the Moody Bank mobile app. View the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone and Android devices. Mobile deposit limit is $3,000 per day.

 

Borrow 

Sometimes, it takes money to make money. We get it. When the time comes to buy major equipment or property, purchase inventory or expand, we can help you get there. Get what you need and get on with business with our quick, local decision-making.

 

Commercial Real Estate

Purchase or build any type of commercial property, whether to use for your own business or lease out to tenants.

  • Competitive interest rates and flexible terms
  • One-time close construction loans available
  • Buy, build or expand 

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Business Line of Credit

Access funds easily and quickly when you are looking for working capital, inventory expansion, have an emergency repair, and much more.

  • Competitive interest rates
  • Only pay interest on what you use
  • Quick, local decisions 

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Term Business Loan

Expand your business, purchase assets or upgrade equipment with a tailored loan designed to fit your needs.

  • Regular repayment schedule
  • Competitive fixed or variable interest rates
  • Money provided as an upfront lump sum

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Business Credit Card

Enhance your purchasing power and gain access to a variety of benefits with our business credit cards.

  • Accepted at millions of merchants worldwide
  • Purchasing convenience right in your wallet 
  • Choose from our Standard or Preferred Points Cards

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Treasury 

Maintain control over every aspect of your finances with our streamlined, easy-to-navigate treasury offerings. Browse through our features, including Payroll, Lockbox Service and more to see all the ways we can help you enhance your business.

 

Autobooks

Autobooks is an easy to use online accounting tool that allows your business to send invoices, accept payments, automate accounting processes and pay bills.

  • Get your first three months free and cancel anytime
  • Send a professional invoice right to your customer's inbox
  • Payments go directly into your business checking account
  • Schedule a 10 minute demo to see all the features Autobooks can offer! 

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Business Bill Pay

Full suite of online financial management solutions designed to streamline the back office functions of your business, giving you increased control and greater flexibility.

  • Available for only $10/month, includes 40 free transactions ($0.50/transaction after the first 40)
  • Pay bills online anytime, anywhere
  • Delegate payment tasks and set permission controls
  • Get instant information with customized reporting
  • Electronic payroll deposits to multiple accounts
  • Extended support 

SEE A DEMO

Merchant Services

Give your customers more ways to pay by accepting all major credit cards. We work with multiple credit card processors, allowing us to offer you the lowest rates available.

  • Increase sales and efficiency
  • Make funds from sales available faster
  • Secure, reliable technology
  • Multiple point of sale systems available - choose the system that works best for your business
  • Great option for any business, from high-volume companies to small specialty shop and everything in between

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Lockbox Service

Streamline bookkeeping while saving time and money by turning receivables into cash quickly and efficiently. 

  • Browser based, no additional equipment needed
  • Expedite collections and credit of funds to your account
  • Image checks and documents for more efficient bookkeeping

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Fraud Protection 

Automated fraud detection tool that allows you to create a database of previously issued, authorized checks and ACH blocks and filters.

  • Protect your company's assets by ensuring only the checks you authorize clear your account
  • Convenient, automatic service
  • Reduces costs due to losses
  • Reduces the chance of check fraud

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Sweep & Zero Balance Accounts

Maximize the earning potential of your business accounts by putting your idle funds to work, automatically and safely. 

  • Funds swept into interest-bearing account overnight 
  • Increase profitability without adding work
  • Automated to reduce human error and increase accountability

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ACH, Payroll and Wire Services

Reduce your administrative costs and save valuable time by making, receiving, and managing your payments and payroll automatically.

  • Accelerate cash flow while securing transactions
  • Pay vendors and suppliers quickly and conveniently
  • Transfer funds from other institutions
  • Simplify payroll process and deposit payroll into employee accounts automatically
  • Same day domestic wires

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Remote Deposit Capture

Simply scan checks from your desk or mobile device, and our embedded software automatically records and balances the transaction, even when the bank is closed.

  • Capture money orders, cashier's checks, consumer and commercial checks electronically 
  • Quick, convenient and secure
  • Reduce errors and help prevent fraud
  • No need to purchase, install or maintain software

 

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Vault Service

Add convenience by eliminating frequent trips to your local banking center for deposits and cash orders, and add an extra layer of security with armored car deliveries. 

  • Great for businesses that handle large amounts of coin and currency activity
  • Keep excess cash working in deposit accounts
  • Deposit processing and full reporting to your company

 

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