Commercial & Business Banking

Fiduciary solutions and local lending built for regional enterprises.

Commercial Checking Solutions

Manage your operational capital with specialized business checking options. We customize our account thresholds and service bundles to align with your monthly transaction volumes and treasury requirements.

📈 Commercial Growth Checking: Built for active small-to-mid market operations. $15.00 monthly fee, fully waived with an average ledger balance of $5,000. Includes 250 free transactions monthly.

🏢 Business Elite Checking: Designed for high-volume treasury management. Includes customized transaction thresholds, earnings credits to offset fees, and dedicated cash-sweep integrations.

Baker smiling in shop supported by BBB commercial credit

Treasury & Credit Programs

BBB offers the financing and infrastructure tools necessary to support local business expansions and manage day-to-day operations.

Commercial Lines & Loans

Revolving working capital lines, equipment acquisition leases, and local SBA 7(a) and 504 lending programs with flexible terms to fund physical expansion.

Merchant Services

Secure, multi-channel payment processing for retail and online stores. Point-of-sale terminal hardware support and competitive flat interchange rates.

Business Credit Cards

Assign employee spending cards with strict limit controls. Earn cash back or reward points on common operational expenses with no annual fees.

Treasury Services Specifications Matrix

Review our commercial portal technical capabilities and liquidity processing rules.

Product Module	Technical Standard	Operational Feature	Bypass / Exception Control
ACH Payroll Suite	NACHA 94-char fixed-width	Standard SEC codes: CCD (Corporate), PPD (Consumer), CTX (Trade Exchange)	Maker-Checker Dual Sign-off required
Wood Yield Sweeps	Daily end-of-day trigger	Automated transfers above $50k target into active timber reserve holdings	Adjustable threshold limits via Admin Panel
Corporate Cards	EMV 3DSv2 Web Tokenization	Merchant Category Locks (MCC codes), custom transaction-level constraints	Temporary overrides via SMS verification
Prime-Adjusted LOC	Prime + 1.25% Index	Revolving working capital lines, secured against wood mill & retail inventories	Dynamic borrowing base certifications
Receivables Lockbox	BAI2 Statement Format	High-speed OCR optical sorting, daily batch image exports	Automated reconciliation matching matching rules

Commercial Lending Inquiry

Complete this form to request commercial financing. A commercial banker will review and get in touch.