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Checking

Savings

Loans

Lines of Credit

Other Services

Business Services   We succeed when you succeed.

Checking Accounts

We believe in building strong relationships with our customers. Whether you have five employees or five thousand, we make it beneficial for you to bank at Landmark Community Bank. It is our goal to help make your business the best that it can be.

Small Business Checking

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Commercial Checking Account

This account is designed for medium-to-large businesses with higher transaction volumes and balances.
Federal Regulations allow non-cash earnings credits on corporate accounts. The earnings credit rate is subject to change at the Bank's discretion. (Please see example below.)

• Opening Deposit Requirement of $100.00
• No minimum balance
• Earnings credit is paid on the average collected balance, minus a 10% reserve requirement
• The earnings credit does not carry over from month-to-month if the credit is more than the service fee
• $25.00 Overdraft/NSF Fee with a $150.00 per day maximum
• Non-interest bearing account

Earnings Credit & Service Fee Example

Business NOW Checking Account

• Designed for Sole Proprietors and Non-profits
• Opening Deposit Requirement of $500
• $500.00 minimum balance requirement
• $8.00 monthly service fee if balance is not maintained
• 25¢ per debit item
• Interest earned on collected balance (tiered rate)
• No fees assessed for Non-profits.  Must have appropriate documentation.

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Business Super NOW Checking

• Designed for Sole Proprietors and Non-profits
• Opening Deposit Requirement of $10,000.00
• $25.00 monthly service fee if balance falls below $10,000.00
• Tiered Rates

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Savings Accounts

Regular Savings Account

• Opening Deposit Requirement of $1,000.00
• $1,000.00 minimum balance
• Interest paid quarterly on the collected balance
• Quarterly statement
• Variable interest rate
• $3.00 monthly service fee if balance falls below the minimum balance requirement
• Rates vary depending on account balance

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Money Market Savings Account

• Opening Deposit Requirement of $2,500.00
• $2,500.00 minimum balance
• Interest paid monthly on the collected balance
• Monthly statement
• Variable interest rate
• $7.50 monthly service fee if balance falls below the minimum balance requirement
• Rates vary depending on account balance

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Loans

As a business owner, you don’t have time to “train in” a new banker every year or two. You need an experienced group of bankers who are committed to business lending and can help you make the right decisions for your business – quickly.

Business Loans

Landmark Community Bank provides business loans for a wide variety of needs. Whether you’re purchasing new equipment, expanding your plant, or simply looking for working capital, our business bankers can assist you. We will match the right loan with the right payment and term for your growing business. And you’ll get the peace of mind that comes with fixed, predictable monthly payments.

Commercial Real Estate Loans

If you’re thinking about buying more property for your business, or want to make property improvements, we offer real estate loans to help meet your needs.

Your long-term goals for owning real estate will help us determine the financing option that will serve you best. Investment property or owner-occupied property? We can get it done. Whether you’re looking for SBA or standard commercial lending — our seasoned lenders can assist you in managing the real estate process.

Landmark Bank can provide long-term fixed-rate financing for your commercial property. Talk to a Landmark business banker about our flexible terms and competitive rates.

Construction and Land Development Financing

Looking to build a new facility, or re-locate your business to a new site? Landmark Bank offers creative financing options to meet your construction and land development needs. Both fixed and variable interest rates are available.

Small Business Administration Loans (SBA)

SBA loans are tailored to promote the growth of small businesses and help existing businesses that are experiencing rapid expansion. As a seasoned lender with the Small Business Administration, we can help you obtain financing at attractive rates. Landmark offers several SBA financing options, including 504 Loans, 7(a) Guaranteed Loans, and Low Doc Loans.

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Lines of Credit, Leases and Letters of Credit

Our business bankers and cash management experts can assist you in supplementing your cash flow needs with a variety of financial tools and products.

Landmark Business Line

A revolving line of credit can be invaluable in managing the ups-and-downs of your company’s cash flow. Get cash for your business when you need it with a Landmark Business Line. Access your credit line through a phone call to your Landmark banker, or make a cash advance electronically through our online service, Desktop Teller™. You use only the amount of cash you need, and pay interest only on the amount you use.

Line sizes start at $10,000. A variety of repayment options are available.

Leasing

Sometimes leasing equipment for your business makes more sense than buying — particularly when you’re concerned about large up-front down-payments or rapidly-depreciating technology. Landmark Bank offers you several attractive leasing options.

Letters of Credit

A letter of credit from Landmark Bank can be useful in providing a guarantee of payment to a business’s creditors. Use it to expand your relationships and grow your business more quickly.

Cash Management Services

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Other Services

Landmark Community Bank offers additional services to help you run and grow your business. We can help you find ways to save time and reduce costs by:

• Accepting your EFT payments (Federal Tax and Loan)
  
• Offering a Visa/MasterCard Program for merchants
  
• Providing electronic deposit for businesses who direct deposit employee checks
  
• Creating customized plans for employer/employee accounts which include:
  
  • No-minimum-balance checking accounts
    
  • ACH origination for payrolls
    
  • Direct Deposit savings plans
    
  • Retirement investment plans
    
  • Short-term investment options
    
• Cash management services, including
  
  • Automatic sweeps
    
  • Lockbox services

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