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Business Banking

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Business Banking

Checking, Savings, & CDs

Commercial Checking

  • Minimum Opening Balance – $250.00
  • Monthly Maintenance Fee – $5.00
  • Earnings Credit of $.10 per $100.00 of collected balances*
  • Per check chrg / Deposited – $.05
  • Returned Charge Back Checks – $2.00 per item

*Earnings credit may not exceed monthly charges.

Business Interest Checking Account

  • Minimum Opening Deposit…………………………………………. $2,000.00
  • Min balance to avoid service charge.& obtain APY……… $1,000.00
  • Interest Rate / Annual Percentage Yield ………………… See Rate Sheet
  • Interest Computation Method………………… Average Daily Balance*
  • Interest Compounded & Credited…………………………………… Monthly
  • Statement Period:  Monthly
  • Monthly Maintenance Fee if balance falls below $1,000.00…$10.00
  • Dormant Account Charge: …….. $5.00/monthly if dormant 12 months

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

 

Certificates of Deposit

  • Minimum opening deposit of $5,000
  • Variety of maturity terms ranging from 3 months to 5 years.
  • Competitive interest rates.
  • Interest payable by deposit at your Simmesport State Bank account or ACH to another bank, or by check.
  • The annual percentage yield (APY) assumes that interest remains on deposit until maturity.
  • Early withdrawal penalty for early withdrawal. Penalty may invade principal.
  • Click here for current rates.

Business Debit & Credit Cards

Business Debit Card

Your Business Debit Visa is a convenient way to get cash and make purchases for yourself and your business. Easily track, report, and separate expenses.  Simmesport State Bank offers VISA branded debit cards printed in house for your convenience.  Enjoy the security of Visa!

For more information please visit our branch.

Business Credit Cards

We make it easy to choose the credit card that is right for you. Our Business MasterCard® Card is available in two options, Standard Card with no annual fee or the Preferred Points Card.

Business Card – Standard Card

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.

Features

  • No annual fee.
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.

Fees

Business Card – Preferred Points

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net
  • Rental car collision damage waiver protection.

Features

  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • To view or redeem rewards points, visit www.dreampoints.com/preferredpoints/ or call 866-678-5191.
  • Individual billing option only.

Fees

To Apply Now

  • Download the PDF of the application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
  • Supporting documents vary depending on the type of business you have. See chart below.
  • Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

*Please see application for information about current APRs and fees.

Loans

Need a Loan?

Want to add that extra room to the house or looking for a new home? Maybe it is a car, or the kids are ready for college or you just need that vacation! You’re finally ready to start that new business. SSB offers a wide variety of loans to meet the needs of consumers, small businesses, small farms, commercial and retail customers.

Business Loans

  • Commercial Real Estate
  • Line of Credit
  • Equipment Purchases
  • Accounts Receivable
  • Letter of Credit

Simmesport State Bank ( NMLS # 411967 )