Customized solutions to enhance your cash flow.  

Analysis Account

Analysis Checking Accounts are available for commercial customers who have a need for specific cash management services.  Detailed monthly account analysis reflects monthly transaction volumes, along with average balance levels.  A bank determined earnings credit is applied to the investable balance, the result of which is compared against transaction charges to determine any monthly service charge.  Detailed monthly account analysis statements are available for commercial customers through Business Internet Banking.

Money Market Account

An interest-bearing account with check writing access  

• Tiered interest rate
• Transfer and check writing limits apply

Zero Balance Account (ZBA)

Zero Balance Accounts are accounts designed to maintain a zero balance, even as checks and other debits are cleared against it.  The ZBA is funded by a primary account that receives all deposits and automatically disburses funds to the ZBA only when necessary to cover checks and debits that have cleared.  

The automated sweep function eliminates any possibility of overdrafts as long as the primary account is properly funded.
 

Insured Cash Sweep (ICS)  

Through the ICS service, commercial customers can access multi-million-dollar FDIC protection and earn interest on large balances in excess of $250,000 with other network institutions. Customers deal directly with Kirkpatrick Bank and can view funds through a secured Internet site.

• The convenience of one bank and one statement
• Easy access to funds
• Earn interest by putting excess cash balances in money market deposit accounts
• Automated sweep available on the demand deposit account option
   

Certificate of Deposit Account Registry (CDARS)

Through the CDARS® Network, commercial customers can access multi-million-dollar FDIC protection and earn interest on large balances in excess of $250,000 placed in certificates of deposits with other network institutions.  Customers deal directly with Kirkpatrick Bank and can view funds through a secured Internet site.  Certificate of Deposit terms are available from 4 weeks to 5 years.

• The convenience of one bank and one statement
• Competitive interest rates