Pauls Valley National Bank

In today's competitive business climate, your business requires a bank that can respond to your specific needs. Our experienced loan professionals can provide loans in an efficient and expedient manner. Our many services include Lines of Credit, Letters of Credit and small Business Loans.

Deposit Products
Loan Products
Cash Management

BUSINESS DEPOSIT PRODUCTS

Commercial Checking

Minimum deposit of $100.00 to open the account
Monthly service charge of $3.00 plus the following activity fees:
- $.10 per check written
- $.10 per deposit
- $.03 per transit item (out-of-town check) deposited

A credit of $.10 for each $100.00 of the average available balance in excess of $499.00 during the statement cycle will be applied to these charges.
Photostatic check images with your monthly statement.
Not a consumer account to which Truth in Savings applies.

Commercial Now Account

Available only to sole proprietorships or unincorporated non-profit organizations
Minimum deposit of $500.00 to open the account
A service charge of $7.00 will be imposed if the account balance falls below $500.00 any day of the monthly statement cycle
Excess activity fee of $.15 will be charged for each debit transaction in excess of 30 during a monthly statement cycle
Interest rate and annual percentage yield may change
Interest will be compounded and credited to the account monthly
Must maintain minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield
Photostatic check images with your monthly statement
ATM card or Transfund Checkcard available
Please contact us for current interest rates

Commercial Super Now Account

Available only to sole proprietorships or unincorporated non-profit organizations
Minimum deposit of $1000.00 to open the account
A service charge of $10.00 will be imposed if the account balance falls below $500.00 any day of the monthly statement cycle. If the account balance is at least $500.00 on every day in the monthly statement cycle but falls below $1000.00, a service charge of $5.00 will be imposed.
Excess activity fee of $.15 will be charged for each debit transaction in excess of 30 during a monthly statement cycle
Interest rate and annual percentage yield may change
Interest will be compounded and credited to the account monthly
Must maintain minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield
Photostatic check images with your monthly statement
ATM card or TransFund Checkcard available
Please contact us for current interest rates

Commercial Money Market Account

Minimum deposit of $1000.00 to open the account
A service charge of $10.00 will be imposed if the account balance falls below $1000.00 any day of the monthly statement cycle
Excess activity fee of $1.00 will be charged for each check or debit in excess of six during the monthly statement cycle
Interest rate and annual percentage yield may change
Interest will be compounded and credited to the account monthly
ATM card or Transfund Checkcard available
Please contact us for current interest rates

Commercial Line of Credit

Variety of purposes
Most often to provide working capital
Short term
Must maintain an annual "out of debt" period of at least 30 consecutive days
Subject to credit approval

Commercial Real Estate Loan

Acquisition, construction, improvement and refinancing real estate assets
Owner occupied and investor properties considered
Subject to credit approval

Working Capital Term Loans

Need for permanent increase in working capital financing because of growth
Not for initial capital or an undercapitalized company
May be made in conjunction with lines of credit
Subject to credit approval

For current Annual Percentage Rate (APR), please contact us for additional information.

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BUSINESS BANKING-CASH MANAGEMENT

Pauls Valley National Bank's cash management tool provides your business the convenience of banking - anytime, anywhere - with only a click of the mouse. With a computer and an Internet Browser, you can securely access your business account information, disperse funds, pay bills, stop payments, pay employees and more from your home or office.

With the speed and convenience of the Internet, you can access:

Transaction History - View your daily transactions online
Wire Transfers - Initiate wire requests
Multi-User Capability - Provide specific employees limited access to functions
Stop Payments - Initiate stop payments on checks
Online Payroll Services - Manage your payroll needs online
ACH Drafts - Receive payments from your customers electronically
ACH Disbursements - Pay vendors just in time with less cost
Balance Reporting - Display all account information in an asset and liability format
Direct Deposit - Create "continuous" ACH disbursements to employees' bank accounts
Bill Payment - Pay bills online
Book Transfers - Transfer funds between internal accounts
Reports - Generate customized reports from a two-year transactional database
EFTPS - Generate ACH electronic tax payments
Account Notification - Set a variety of account notifications
Advanced Security - Up to 128 bit encryption available

Put our cash management system to work for your business. It is easy to use, completely secure, and provides timely access to information. To enroll, simply complete the online application or call Pauls Valley National Bank for more information.