Business Banking
Count on Stifel Bank to have the tools you need to efficiently and effectively run your business. We have built a variety of treasury management accounts and banking products to meet the needs of today’s business clients. In addition to professional services from a dedicated Private Banker, Stifel Bank has a strong digital banking platform for you to handle your business finances efficiently and securely from your office or on the go.
Your dedicated Private Banker will work with you to design a program tailored to the needs of your business. We will prepare a personalized account analysis and proposal for banking services. Our plan will be customized to serve you, giving your business a technological edge and enhancing your business banking relationship.
Business Checking
We've built this checking account with small businesses in mind. Avoid a monthly service fee with a low minimum balance and your first 50 transactions are free!
- $100.00 Minimum balance to open
- $2,500.00 average collected balance required to avoid $10.00 monthly service charge
- $0.50 activity fee for each transaction in excess of 50 transactions (debit, credit or deposited item) per statement cycle
Need more information?
Contact Account Services
Business Checking Disclosure
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Business Analysis Checking
Our most popular and flexible business checking account allows you to integrate treasury management with other services to create a fully customized account. We offer a generous earnings credit plan which allows you to offset some or all of your service fees.
- $100.00 minimum balance to open
- $16.00 monthly maintenance fee
- $0.16 per debit
- $0.35 per credit
- $0.11 per deposited item
- $0.12 per ACH debit
- $0.15 per ACH credit
- Earnings Credit Plan: Your earnings credit is applied to the average monthly investable account balance to determine the monthly earnings credit allowance
Need more information?
Contact Account Services
Business Checking Disclosure
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Business Money Market
Earn competitive interest rates and keep your excess funds liquid with our Business Money Market Account. Our tiered interest rates allow you to earn more interest as your balances grow.
- $100.00 minimum balance to open
- $2,000.00 average daily collected balance required to avoid $10.00 monthly service charge
- $2,000.00 minimum daily collected balance required to receive interest
- $10.00 for each transaction exceeding six per month. Transaction restrictions subject to Federal Regulations
Need more information?
Contact Account Services
Business Money Market Disclosure
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Business Sweep – Investable
Our sweep account provides you the opportunity to offset activity fees with a generous earnings credit plan, coupled with the ability to earn interest on excess funds. This account allows you to minimize your fees while maximizing earning potential. This account automates sweeps daily, unlike money market accounts that have a limited number of monthly transactions.
Once your target balance is determined, any amount above the target will be swept over to earn interest. Conversely, if your account falls below the target balance, funds will be swept into your transactional account to bring the balance back to your target. This helps maximize your earnings credit plan.
- $100.00 minimum balance to open
- $56.00 monthly maintenance fee
- $0.16 per debit
- $0.35 per credit
- $0.11 per deposited item
- $0.12 per ACH debit
- $0.15 per ACH credit
- Earnings credit: The earnings credit rate is applied to the average monthly investable account balance to determine the monthly earnings credit allowance
Need more information?
Contact Account Services
Business Sweep Disclosure
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Business Savings
Our Business Savings account offers a lower minimum balance requirement than a money market account yet still allows you to earn competitive interest on your excess funds.
- $100.00 minimum balance to open
- $500.00 minimum daily collected balance required to receive interest
- $500.00 minimum daily collected balance to avoid $5.00 monthly service charge
- $2.00 activity fee for each transaction over six per month (ATM transactions included). Transaction restrictions subject to Federal Regulations
Need more information?
Contact Account Services
Business Savings Disclosure
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Certificate of Deposit
Exercise your options by choosing a Certificate of Deposit (CD) that best suits your investing needs, with the rate and term that is right for you. Whether you have a time-specific savings need or wish to diversify your portfolio risk, our CD is a popular choice to protect and grow your money.
- CDs are available in a variety of terms, usually ranging from 7 days to 5 years
- Guarantees a fixed rate of return
- Automatically renew at maturity
- Requires a minimum deposit of $1,000.00 to open
- Provides the security of FDIC Insurance
Need more information?
Contact Account Services
Certificates of Deposit Disclosure
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CDARS / ICS
ICS® and CDARS® services give depositors a tool to manage liquidity needs and earn a return on cash assets, with the peace of mind associated with access to expanded FDIC insurance, all while working directly with your Stifel Bank Private Banker.
Insured Cash Sweep
- Earn interest on ICS funds placed into demand deposit accounts using the demand option, or via money market deposit accounts using the savings option
- Enjoy peace of mind knowing your ICS funds are eligible for multi-million-dollar FDIC insurance backed by the full faith and credit of the United States government
- Access funds knowing that the ICS savings option offers up to six transactions per month
CDARS®
- Access multi-million-dollar FDIC insurance on CD investments by working directly with one financial institution, through the CDARS Network
- Earn one interest rate per maturity on CD investments. there is no need to negotiate multiple rates per maturity or manually tally disbursements for each CD.
- Earn rates that have historically compared favorably to US Treasuries
- Receive one regular statement detailing your CD investments
- Benefit from daily compounding of interest
- Eliminate the time-consuming task of tracking changing collateral values on a recurring basis
- Select from a variety of maturities ranging from 4 weeks to 5 years – and choose the terms that best suit your investment needs
Need more information?
Contact Account Services
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Need more information?
Additional resources available to our Business Banking Clients:
- Courier Delivery Service
- Lockbox Processing
- Positive Pay
- Night Depository
- Account Reconciliation
- Business Debit Cards
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- Remote Deposit Capture
- Merchant Services
- Account Services Live Support
- Cashier’s Checks
- International Wire Transfers
- Automatic Wire E-Mail Notifications
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- Foreign Currency Orders
- Safe Deposit Boxes (Not FDIC Insured)
- Coin Count Services
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