Commercial Banking at Del Norte Bank

Del Norte Bank takes pride in our local businesses and offers banking services that meet your needs and help keep your business growing!

Open an Account

Personal Accounts

We’ll need for each signer:

Copy of your driver’s license
Social Security number
Typically it takes $100 to open any given account to avoid a service charge
Proof of mailing address
Complete a new account application

Business Accounts

To open a business account, we’ll need:

Proof of name registration from the state
Verification of federal tax ID number
List of signers on account in writing—one of the following examples would work:
Articles of incorporation
Corporation – We need your Bylaws
Limited Liability Company (LLC) – We need your Operating Agreement
Resolution
Minutes showing designation of signers
Copy of each signer’s driver’s license
Each signer’s social security number
Proof of physical address
Proof of mailing address
Complete a new account application

Commercial Checking

Requirements

Minimum balance to open – $100.00

Benefits

First 50 withdrawals/debits – complimentary

Cost

COMMERCIAL CHECKING (NON-LOCAL)

Service Charge of $7.50 if balance falls below $1,000.00 any day of the month
Excessive Charge after 50 withdrawals/debits per month – $0.20 each
Purchase own deposit slips, checks and stamps
Debit Card fees include an initial $ 3.00 fee and a monthly fee of $ 1.00 per month
If Debit Card is lost $10.00 fee

Merchant Services

Consistent Service! That’s what Del Norte Bank offers verses the other merchant processing firms. You will always contact us here, and we’ll work to solve your problem or answer your questions. It’s a complicated product, and other firms use the complexity to “hide” fees in order to make their service look cheaper up front. We don’t do that—we put all of our charges on the table so you know up front.

Our expertise comes from being a part of a larger network of community bankers that have extensive experience and background in merchant processing, and you can sleep well knowing that we won’t rest until your problem is solved or your question is answered.

Mobile Merchant

In your business, the point of sale is an ever-moving destination. Wherever your customers are, that’s where you’ll go—which means you need a payment solution that’s as mobile as you are. However, your transaction volume might not justify the expense of purchasing a mobile payment terminal, leaving you in the position of handling credit card information in an inefficient and unsafe manner, such as by writing numbers down to call in later. As an alternative, you may be accepting checks on faith, exposing you to the possibility of loss.

Swipe Simple App

Once you’ve downloaded the application from the App StoreSM or Google Play™, a handy encrypting card reader device plugs into your iPhone®, iPad®, or Android™ smartphone or tablet, enabling you to slide your customer’s credit card to capture a sale. Because the card is physically present, you avoid the higher card-not-present processing rates associated with hand-keyed transactions.

Tailored for Your on-the-go Business

Home and repair services—HVAC, plumbers, garage door installation
Contractors and electricians
Towing services
In-home sales—home décor, cooking, beauty products
Specialty and charity events—art shows, auctions
Limousines and taxis

Benefits

Maximize your mobile phone investment by turning it into a payment terminal
Accept payments in real time from virtually anywhere
Reduce your processing fees—pay lower card-present rates with the Swipe Simple app and/or encrypting card reader that allows you to swipe physical credit cards
Offer more flexible and secure payment options
Help your customers choose the payment method they prefer while keeping their credit card information safe
Convey a cutting-edge, professional image to your customers

Features

Compatible with iPhone®, iPad®, and Android™ smartphones and tablets
Secure login with username and password
Easy-to-use interface requires minimal training
Support for all major credit card types
Real-time mobile processing
Fraud protection tools
SSL encryption technology
Real-time reporting capabilities
Account manager to add or remove users (browser only)
Ability to store a list of inventory items
Tracking of cash sales
Automatic prompts for tips and tax
E-receipts with virtual terminal
SMS receipts (rates may apply)
24/7 tech support

Investor Savings

This is designed for high net worth households and businesses as a safe place to accumulate savings with a premium yield. Charges discourage withdrawals.

Requirements include:

Minimum balance to open – $10,000.00
Minimum daily balance to earn APY – $1000.00

Benefits include:

Limited to six withdrawals per month
Interest compounded daily and paid monthly
Larger deposits pay higher rates

Cost:

Service Charge of $9.00 if balance falls below $10,000.00 any day of the month

Commercial Loans

The lifeblood of any community is the commercial activities within it. We actively engage in commercial and agricultural lending to support those important activities. Each loan is as unique as the businesses themselves, so contact us today and we’ll work to help you succeed!

Revolving Line of Credit

Many businesses have cash flow interruptions or timing delays between cash outlays and cash receipts. The best example of this is how a farm pays expenses all year long to get the crop grown and harvested and all the receipts come at the end when the crop is sold. Many times a Revolving Line of Credit (RLOC) can work well to alleviate these pressures. Contact us to learn more!

Commercial Online Banking

Our updated online portal & mobile app offers new business features you’re going to love!

Cash Management Services

Send and receive wires
You can fill out the form on our online banking platform. It will then be sent via a secure network to the bank. No need to interrupt your busy day by coming in to initiate it. We will follow our normal verification procedure before the item is sent for processing.
Easy ACH Origination
Need to send out a payment to a vendor electronically? Need to make a Direct Deposit to your employees’ accounts for Payroll? Create an ACH batch within your online banking and send money off without a worry. Once batches have been created, they can be saved and reused again, with the ability to change amounts as needed. There is also the option to setup reoccurring payments.
Stop Payment
Have a check or Electronic Transaction that you need to stop from coming out of your account? Fill out a Stop Payment form on our online banking platform and it will be sent via a secure network to the bank. No need to come in and sign. We will follow our normal verification procedure before the item is sent for processing.
Available across mobile, tablet and PC platforms
These features can be used on all PC Platforms as well as phones and tablets with no restrictions. Features can be accessed via the Del Norte Bank app, available in the apple app™ or google play store™.
Set up multiple users with different access & approval levels
Do you have an accountant that needs to see all of your transactions? Does someone else run your payroll? This new feature allows you to add individuals without having to add them as a signor, or talk with us. Create their user name and password and select the areas you want them to have access to. It is completely up to you.

Routing #302170162
NMLS#446071

March 18th, 2019

Disclaimer:

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