Preferred Business Checking (Analysis)

• Only $250 minimum to open
• Free on-line banking and bill pay
• Low monthly service fee
• With qualifying balances each month, your business can receive an earnings credit to cover some or all fees for services used during each statement cycle
• Remote Deposit Capture for convenient deposits right at your desk
• Cash Management services available

Why pay high fees for your commercial checking account? Bank with a banker who knows your name. Stop by any of our convenient locations, or contact us today for more information.

Preferred Business Money Market

• Only $2,500 minimum to open
• Tiered interest rates reward larger balances—so the more you save, the more you earn
• Detailed monthly statement keeps you organized
• Limited check writing privileges

Cerificate of Deposit (CD)

• Fixed interest rates in a variety of terms offer a secure and simple way to invest your funds.
• Terms vary from 32 days to 5 years on Regular CD’s ($75,000 or less) and 14 days to 5 years on Jumbo CD’s (over $75,000).
• $1,000 minimum to open on Regular CD’s.
• Interest is compounded quarterly and credited quarterly on anniversary date.
• Interest can be paid monthly, quarterly, at maturity or automatically deposited into other Preferred Bank accounts.
• Substantial penalty for withdrawal of principal before maturity date.
• Contact us for current rates and yields.

Commercial Loans

• Accounts Receivable Financing
• Commercial Real Estate Loans
• Commercial Lines of Credit with convenient check access
• Construction Financing
• Equipment Loans
• Real Estate Development Loans

Mortgage Purchase Facility Account

• Competitive rates and individual loan file fees
• Zero up-front fees and zero assessment for non-usage
• No personal guarantees on lines is required

Wholesale and Retail Mortgage Lending

• Preferred Bank is the investor
• Preferred Bank offers A, A-, B and C portfolio mortgage programs. We have several different programs that will meet your needs.
• Preferred Bank keeps the loans they make and does not sell them into the secondary market. We invest in our community

Business Internet Banking

The online access to manage your business finances easily and quickly.

• Manage all your accounts online.
• Check balances, transfer between accounts, view image checks and reconcile your accounts anytime.
• Access and pay bills online.
• Receive your statments and notices fast and electronically.
• More Management tools in our Cash Management products to include ACH origination and receipt, Direct Deposit, Wire Transfer origination and receipts, and Positive Pay services to protect your account.

Third Party Depository Services

With Preferred Bank’s Third Party Depository services, you can bank with us from most any place in the Houston or surrounding areas. Preferred Bank can provide you with all the conveniences of the big banks, while giving you the personal service that you desire.

Electronic Statement and Notice Delivery

Preferred Bank offers you the ability to receive your statements and notices electronically.

• You can save your statements and notices electronically so there is no need to worry with paper.
• You can view your check images with your statement.
• Receive your statements and notices the day they are produced not several days later because of regular mail processing.

More Business Services

We offer a full array of banking services.

• Federal Tax Deposits
• Merchant Services
• Notary Services
• Group Banking Services (Bank at Work)
• Telephone Banking 1-877-921-2265
• Automated Clearing House (ACH) Services
• Bank By Mail
• Traveler Checks, Cashier’s Checks and Money Orders
• Direct Deposit of Payroll, Social Security and Pension Checks
• Safe Deposit Boxes (where available)
• U.S. Savings Bonds
• Wire Transfers of Funds
• Pulse/ATM Cards
• Online Banking

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