Business Commercial Banking

We offer a full complement of convenient business banking tools, and the insight of our highly talented team of professionals. We have viable solutions suited to your business needs, and provide the latest technology to manage your money more efficiently and effectively.

Enjoy the advantages that an FNM business account offers: 

Personal Service. At FNM, you'll have personal bankers you can ask for by name. When you need solutions or answers, we will find them for you. And, we'll follow up to make sure that everything was taken care of to your satisfaction.

Options. We'll structure your accounts to adapt to your unique situation. You will have the option to personalize our portfolio of services to maximize the benefits to your business - like offsetting fees for your accounts by putting your investable balances to work.

Flexibility. We know that business constantly changes and that the right financial solution now, may not be the right one in six months. We're your personal financial consultants, and are always happy to help.

Here are just some of the business accounts and services available:

  • EH BUSINESS CHECKING - Ideal for businesses with moderate checking account activity.
  • ANALYZED BUSINESS CHECKING - For companies with higher activity volumes, you'll get more features for your growing business.
  • BUSINESS NOW ACCOUNT - Sole-proprietors or non-profit organizations can enjoy all the benefits of our Business checking, with interest.
  • BUSINESS SAVINGS NOW ACCOUNT - Grow your money and keep your funds liquid with the competitive rates on our business savings account.
  • BUSINESS MONEY MARKET ACCOUNT - We've made it easy to earn interest on excess balances with an option to transfer funds.
  • CERTIFICATES OF DEPOSIT - Generate higher returns with the excellent competitive rates offered on EH CDs.
  • BUSINESS ONLINE BANKING - We offer an entire suite of products to make your online banking experience easy and efficient including bill pay, online statements, online wire transfers and ACH/Payroll transfers.
  • REMOTE DEPOSIT CAPTURE - Deposit your checks from the convenience of your office.
  • Checking Options
     
    BUSINESS CHECKING
    BUSINESS NOW CHECKING
    ANALYZED BUSINESS CHECKING
    Best For:
    		 Small to medium sized businesses with moderate transaction activity levels Sole Proprietorships or non-profits with moderate transaction activity levels Businesses who have multiple accounts with EH and want to take advantage of our premium services
    Minimum Opening Deposit
    		 None None N/A
    Earns Interest
    		 No Yes Interest Credits Earned
    Monthly Service Fees
    		 None None See Below
    Account Features
    • Can be linked to our cash management services for online access to balances, checks paid, wires and ACH
    • Complimentary FNM Business VISA® Debit cards
    Monthly Transaction Levels
    		 First 150 checks or other debits per month no charge each check over 150 is $.30 per item. First 100 deposited items deposited per month no charge each item deposited over 100 is $.10 First 150 checks or other debits per month no charge each check over 150 is $.30 per item. First 100 deposited items deposited per month no charge each item deposited over 100 is $.10 Suits accounts with high volume needs
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  • Other Options
     
    PREMIUM BUSINESS MONEY MARKET
    BUSINESS SAVINGS
    IOLTA ACCOUNT
    BUSINESS CERTIFICATE OF DEPOSIT
    Best For:
    		 Businesses who want to earn higher interest rates on higher balances and can limit transactions Businesses who wish to consistently save money for unexpected expenses or special purchases Legal professionals who need an account that meets the requirements set by the California State Bar Businesses who wish to earn higher interest on funds that are deposited for fixed 3, 6, 12 or 24 month terms
    Minimum Opening Deposit
    		 None None None $10,000
    Monthly Service Fees
    		 None None None None
    Earns Interest
    		 Yes Yes Yes at least 68% of Fed Fund Target Rate Yes
    How interest is paid
    		 Compounds daily, posted at end of month Compounds daily, posted at end of month Compounds daily, posted at end of month, and remitted to state of California quarterly Interest compounds daily and credits at maturity unless an interest disbursement instruction has been selected
    Access to Funds
    		 May have up to six (6) debits a month including checks per 4 week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Unlimited check writing privileges and deposits Funds available after fixed 3, 6, 12 or 24 month term has expired. A penalty may be imposed for early withdrawal
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