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Business Banking

A Better Way to do Business

Our business accounts are created with your best interest in mind - not ours. Simply put, our accounts are designed to help your business prosper.

Accounts & Services

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Business Checking

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Small Business Corporate & Cash Management Not-For-Profit Municipal
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Prosper Business Checking

Prosper Business Checking is straightforward and simple. With no minimum balance, and a generous free transaction allowance, this account is perfect for your small business needs.

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Prosper Business Gold Checking

Experience a new way to bank your business through Prosper Business Gold Checking -- with gold-plated interest rates and a generous free transaction allowance.

Business, Not-For-Profit, & Municipal Savings

Features
 
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Prosper Business Money Market

Prosper Business Money Market allows easy access to your cash while providing a higher rate of return.

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Prosper Business CD

A Prosper Certificate of Deposit (CD) is a safe and secure investment with a fixed rate of return for your business. A Prosper Business CD may be the right choice with a wide range of terms available. FDIC insurance covers Business deposits up to $250,000.

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Commercial Loans and Credit Services

 

As a locally-based community bank, we’re committed to funding projects of all scopes and sizes within Pennsylvania through our commercial loans and lines of credit.

Presence Bank offers commercial loans for a variety of purposes, including business expansion or acquisition, working capital, equipment and more. And since we are a local, community bank, decisions are made locally and quickly to better serve you and your business.

  • Credit and Purchasing Cards - Streamline your accounting with less costs, more efficiencies and preserving your own cash while potentially receiving rewards. Learn More
  • Commercial Loan – If you are opening the doors to a new business or considering the expansion of a current business, a commercial loan from Presence Bank will help you pay for inventory, leasing, property, and more. Contact us to find out what financing options you have.
  • Commercial Line of Credit – A pre-approved commercial line of credit offers you a flexible, revolving type of credit. You can borrow money — up to your credit limit — as often as you like and for a variety of purposes. Lines of credit are approved for a 12-month period and are reviewed for renewal each subsequent 12 months. Find out more about our commercial lines of credit today.
  • Letters of Credit – In the course of business, a customer may be required to give an assurance to a supplier or other party for a particular transaction. Presence Bank can issue a letter of credit, which on behalf of the customer, authorizes the entity receiving the letter to draw on a specified sum within a certain period of time. Learn more about letters of credit by contacting us today.
 

Experience the Presence Difference

At Presence Bank, we’re more than a commercial lender — we’re committed to being a partner to help your business prosper. Our local team will get to know you personally to understand your business and its ongoing needs.

 

Peace of Mind Commercial Real Estate and Construction Financing

The reality is that commercial real estate development comes with unique challenges, risks, and rewards.

When you are building a hotel, shopping complex, residential area, a warehouse, or other commercial project, you need a valuable banking partner to understand the scope of your project and provide the best financing solutions. Our commercial real estate loans are made by local lenders who understand the region and our clients’ needs. We finance projects that are small to big.

Additionally, Presence Bank supports growing businesses that are seeking construction financing. You can be certain that our team of experts will provide financing at competitive rates, and most importantly, funding to carry you through the project’s completion.

Cash Management Services

Icon of a Computer Mouse and Money with 'Free' Underneath Free Online Banking with Bill Pay Manage your finances with complete access to all of your accounts --transfer money, view transaction history, pay bills, and more. Icon of a Phone with a Dollar sign and Arrows with 'Free' Underneath Free Mobile Banking with Mobile Deposits1 We’re here for you on your schedule – not ours. Securely access your account wherever and whenever, through mobile banking. Icon of an e-Statement with 'Free' Underneath eStatements or Paper Statements Whether you choose to receive your monthly bank statements electronically or via mail, we won’t penalize you. Icon of Debit Cards Credit and Purchasing Cards Streamline your accounting with less costs, more efficiencies, and preserving your own cash while potentially receiving rewards. Remote Deposit Capture Securely deposit your checks from the comfort of your office, saving you time, money, and hassle from multiple trips to the bank. Merchant Services Allow your customers to pay with credit and debit cards that will make your business more profitable. Lock with a Check Positive Pay Check Protection Allow your customers to pay with credit and debit cards that will make your business more profitable. Account Sweep Services Utilize your own cash most effectively while maximizing your earnings potential. ICS® - Insured Cash Sweep Service We offer safety-conscious customers access to multi-million-dollar FDIC insurance.

1 Message and data rates may apply; check with your mobile phone provider.

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Table Comparing Prosper's Business Checking Accounts
  Prosper Business Checking Prosper Business Gold Checking Prosper Commercial Analysis Prosper IOLTA Checking
Minimum Opening Deposit Requirement $100.00 $100.00 $1,000.00 $100.00
Minimum Balance to Avoid Fees $0.00 $1,000.00 Not Applicable $0.00
Monthly Maintenance Fee None $10.001 $15.00 $0.00
Interest Structure None $0.00 - $4,999.99
$5,000.00 - $99,999.99
$100,000.00 - $149,999.99
$150,000.00 - $199,999.99 $200,000.00 - above 		Earnings Credit 2 $0.01 - $4,999.99
$5,000.00 - $9,999.99
$10,000.00 – above
Transaction Fees (excluding ACH & Online Bill Pay Transactions) First 300 Items Free Thereafter, $0.40 per Item First 300 Items Free Thereafter, $0.40 per Item Determined Based on Activity Free Unlimited Items
Fees for Non-Presence
Bank ATMs 		Reimbursed up to $15.00 / Month 3 Reimbursed up to $15.00 / Month 3 Not Available Not Available
Debit Card & Purchasing Card Yes Yes Yes Not Available
Paper Statement Free Free Free Free
  Get Rates Get Rates Get Rates Get Rates

1 A monthly maintenance fee will be assessed if minimum balance is not met.
2 Earnings credit is applied to offset applicable transaction and service fees.
3 As noted per account, fees charged by the ATM owner will be calculated at the end of every month and reimbursed up to $15.00. Please contact a local branch for current rates and fees applicable to each account. Fees may reduce earnings.

Table Comparing Prosper's Business Checking Accounts
  Prosper Business Checking Prosper Business Gold Checking Prosper Commercial Analysis Prosper IOLTA Checking
Minimum Opening Deposit Requirement $100.00 $100.00 $1,000.00 $100.00
Minimum Balance to Avoid Fees $0.00 $1,000.00 Not Applicable $0.00
Monthly Maintenance Fee None $10.001 $15.00 $0.00
Interest Structure None $0.00 - $4,999.99
$5,000.00 - $99,999.99
$100,000.00 - $149,999.99
$150,000.00 - $199,999.99 $200,000.00 - above 		Earnings Credit 2 $0.01 - $4,999.99
$5,000.00 - $9,999.99
$10,000.00 – above
Transaction Fees (excluding ACH & Online Bill Pay Transactions) First 300 Items Free Thereafter, $0.40 per Item First 300 Items Free Thereafter, $0.40 per Item Determined Based on Activity Free Unlimited Items
Fees for Non-Presence
Bank ATMs 3 		Reimbursed up to $15.00 / Month Reimbursed up to $15.00 / Month Not Available Not Available
Debit Card & Purchasing Card Yes Yes Yes Not Available
Paper Statement Free Free Free Free
  Get Rates Get Rates Get Rates Get Rates

1 A monthly maintenance fee will be assessed if minimum balance is not met. 2 Earnings credit is applied to offset applicable transaction and service fees. 3 As noted per account, fees charged by the ATM owner will be calculated at the end of every month and reimbursed up to $15.00. Please contact a local branch for current rates and fees applicable to each account. Fees may reduce earnings.

Table Comparing Prosper's Business Checking Accounts
  Prosper Not-for-Profit Checking Prosper Not-for-Profit Analysis Checking
Minimum Opening Deposit Requirement $100.00 $100.00
Minimum Balance to Avoid Fees $0.00 $0.00
Monthly Maintenance Fee None None
Interest Structure $0.00 – $99.99
$100.00 - $499.99
$500.00 - $24,999.99
$25,000.00 – above 		$0.00 - $9,999.99
$10,000.00 - $99,999.99
$100,000.00 - $249,999.99
$250,000.00 – above

(Earnings Credit Optional)1
Transaction Fees (excluding ACH & Online Bill Pay Transactions) First 300 Items Free Thereafter, $0.25 per Item Determined Based on Activity
Fees for Non-Presence Bank ATMs 2 Reimbursed up to $15.00 / Month None Reimbursed
Debit Card & Procurement Card Yes Yes
  Get Rates Get Rates

1 Earnings credit is applied to offset applicable transaction and service fees. 2 As noted per account, fees charged by the ATM owner will be calculated at the end of every month and reimbursed up to $15.00. Please contact a local branch for current rates and fees applicable to each account. Fees may reduce earnings.

Table Comparing Prosper's Business Checking Accounts
  Prosper Municipal Checking Prosper Municipal Analysis Checking
Minimum Opening Deposit Requirement $100.00 $100.00
Minimum Balance to Avoid Fees $0.00 $0.00
Monthly Maintenance Fee None None
Interest Structure $0.00 – $4,999.99
$5,000.00 - $99,999.99
$100,000.00 - $149,999.99
$150,000.00 - $199,999.99
$200,000.00 – above 		$0.00 - $9,999.99
$10,000.00 - $99,999.99
$100,000.00 - $249,999.99
$250,000.00 – above

(Earnings Credit Optional)1
Transaction Fees (excluding ACH & Online Bill Pay Transactions) First 300 Items Free Thereafter, $0.25 per Item Determined Based on Availability
Fees for Non-Presence Bank ATMs 2 Reimbursed up to $15.00 / Month None Reimbursed
Debit Card & Procurement Card Yes Yes
  Get Rates Get Rates

1 Earnings credit is applied to offset applicable transaction and service fees. 2 As noted per account, fees charged by the ATM owner will be calculated at the end of every month and reimbursed up to $15.00. Please contact a local branch for current rates and fees applicable to each account. Fees may reduce earnings.

Table Comparing Prosper's Business Savings Accounts
  Prosper Business, Not-for-Profit, & Municipal Money Market
Minimum Opening Deposit Requirement $1,000.00
Minimum Balance to Avoid Fees $10,000.00
Monthly Maintenance Fee1 (if balance not met) $10.00
Interest Structure $0.00 - $2,499.99
$2,500.00 - $149,999.99
$150,000.00 - $249,999.99
$250,000.00 – above
  Get Rates

1 A monthly maintenance fee will be assessed if minimum balance is not met. Please contact a local branch for current rates and fees applicable to each account. Fees may reduce earnings.

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