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Business Banking


Carolina Alliance will work closely with you to provide the products and services that help you better manage your money. We offer a broad range of sophisticated banking products typically found in larger institutions, yet you will have the distinct advantage of working with a community bank whose attention will be focused on you.

Small Business | Business | Community | Commercial | Small Business Interest |
Commercial Interest


Carolina Small Business Checking

A great money-saving solution for businesses with limited transaction volume.

  • No annual fee Carolina Alliance Visa debit card for sole proprietorships, partnerships and LLCs (with credit approval)
  • No monthly maintenance fee
  • No minimum balance to maintain
  • Total of 250 check/debit items or deposit/credit items at no charge
    (additional items $0.50 each)
  • Free check imaging
  • Free 24-hour telephone account access
  • $50 minimum opening balance

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Carolina Business Checking

Designed for the mid-sized business; a complete package of services.

  • No annual fee Carolina Alliance Visa debit card for sole proprietorships, partnerships and LLCs (with credit approval)
  • Total of 600 check/debit items or deposit/credit items deposited at no charge (additional items $0.35 each)
  • Free check imaging
  • Free 24-hour telephone account access
  • $50 minimum opening balance
  • $20 monthly maintenance fee
  • $20 monthly maintenance fee waived if:
    $2,500 minimum daily balance maintained
    OR
    $5,000 average balance maintained

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Carolina Community Checking

Created especially for our local community based non-profit customers.

  • Pays interest, compounded daily, credited monthly on all collected balances as follows (interest rates are subject to change daily):
    $0.01 to $2,499.99 Base Rate
    $2,500 to $9,999.99 Bronze Rate
    $10,000 to $24,999.99 Silver Rate
    $25,000 and over Gold Rate
  • No annual fee Carolina Alliance Visa debit card (with credit approval)
  • Total of 250 check/debit items or deposit/credit items at no charge
    (additional items $0.50 each)
  • 50% discount on a 3x5 safe deposit box or credit towards a larger box
  • First box of standard wallet checks free
  • No monthly maintenance fee
  • No minimum balance to maintain
  • Free check imaging
  • Free 24-hour telephone account access
  • $50 minimum opening balance

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Carolina Commercial Checking

Ideal for businesses with higher monthly account balances and transaction volume. An earnings credit is used to offset some or all of the service charges based on an analysis of account balance(s):

  • $50 minimum opening balance
  • $13 monthly maintenance fee
  • Earnings credit is determined by the bank and changes monthly
  • See Commercial Checking Schedule of Fees for current fee listing
  • Cash Management services available (fees may apply—see Cash Management
    Schedule of Fees):
    • Carolina eBusiness Banking
    • CD/Rom Statements
    • Courier Services
    • Line of Credit Sweep
    • Lockbox Services
    • Money Market Sweep
    • Positive Pay
    • Remote Deposit
    • Repurchase Sweep
    • Zero Balance Accounts

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Carolina Small Business Interest Checking

Small businesses that want to earn interest and have limited transaction volume will benefit from the features of this account.

  • Pays interest, compounded daily and credited monthly on collected balances
    (interest rates are subject to change daily)
  • No annual fee Carolina Alliance Visa debit card for sole proprietorships, partnerships and LLCs (with credit approval)
  • No monthly maintenance fee
  • No minimum balance to maintain
  • Total of 50 check/debit items or deposit/credit items at no charge
    (additional items $0.50 each)
  • Free check imaging
  • Free 24-hour telephone account access
  • $50 minimum opening balance

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Carolina Business Interest Checking*

A hassle-free account for mid-size businesses that earns interest
and has a higher item allowance.

  • Pays interest, compounded daily and credited monthly on collected balances
    (interest rates are subject to change daily)*
  • No annual fee Carolina Alliance Visa debit card for sole proprietorships, partnerships and LLCs (with credit approval)*
  • Total of 175 check/debit items or deposit/credit items at no charge
    (additional items $0.25 each)*
  • $50 minimum opening balance*
  • $16 monthly maintenance fee*
  • $16 monthly maintenance fee waived if:*
    $1,500 minimum daily balance maintained*
    OR
    $3,000 average balance maintained*

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*Denotes fee increase or product update/enhancement effective March 15, 2014



 
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