Mountain West Bank Business E

Transcription

Division of Glacier Bank
800-641-5401 | MOUNTAINWESTBANK.COM
Mountain West Bank
Business E-Z Switch™ Kit
MOUNTAIN WEST BANK SWITCH KIT FOR SMART BUSINESSES
EQUAL HOUSING
LENDER
Save your business money with E-Z Switch™
from Mountain West Bank.
No financial institution is better positioned to help your business thrive today
and into the future. Through our association with Glacier Bancorp, we have
offices throughout the Rocky Mountain West– each one of them equipped
to handle any and all of your banking needs– and we’ve been rated the top
performing bank group in the country by Bank Directors Magazine.
Make the switch today and put the benefits of experience, stability
and responsible banking practices to work for your business.
This kit, along with our business products and Legendary Customer
Service, can help you do exactly that.
EQUAL HOUSING
LENDER
Some of the reasons more businesses are making
the switch to Mountain West Bank include:
• Totally Free Business Checking.
• 24-hour online access, Remote Deposit and Bill Pay.
• 24-hour approvals on small business loans of $10,000 or less.
• Legendary Service—we’ll even pick up your switch kit paperwork, help you fill it out
and handle all the details. With us, getting set up couldn’t be easier.
• We provide a seamless transition for your automatic withdrawals and deposits.
There are more reasons than ever to make
the switch to Mountain West Bank
REASON #1: TOTALLY FREE BUSINESS CHECKING
• 2,500 Monthly Transactions FREE*
• No minimum balance
• No monthly service charge
• Easy-to-balance monthly statement with presorted images
of your checks, either by mail or online
• Free online banking
• Free online Bill Pay
• Free VISA® Debit Card
• Employee Direct Payroll Deposit available
• Only 20¢ for each item above 2,500
* Transactions include checks paid, checks deposited, online bill pay transactions, and ACH debits.
EQUAL HOUSING
LENDER
REASON #2: TOTALLY FREE ONLINE BANKING AND BILL PAY
• See activity for all your accounts immediately following transactions
• Get updated loan and deposit balance information
• View images of cancelled checks
• Access approximately 90-day transaction history
• Make transfers and loan payments between your accounts
• View bank statements from the last twelve months
• Search for checks that have cleared
• Download transactions into your financial software
• Pay bills online through our free Bill Pay feature
REASON #3: INVESTMENT AND CASH MANAGEMENT SERVICES
• Remote Deposit
• ACH Origination
• Auto Payroll Deposit
• Wire Transfer
• Free Merchant Services review and recommendations
REASON #4: WE’RE A SMALL BUSINESS ADMINISTRATION PREFERRED LENDER.
And, we offer a variety of other loans to help your business grow.
• Commercial Loans
• Construction Loans
• Lines of Credit
REASON #5: TEAM REWARDS™ PROGRAM
Team Rewards is our program that gives your employees special benefits.
• Totally Free Personal Checking with a Free box of standard checks
• Free gift with every new checking account
• We’ll buy back old checks and debit card (up to $25 value)
• Free online Bill Pay
• Free VISA® Debit Card
• Free gift for participating in our Tell-A-Friend program
• Free access to accounts anywhere, anytime by Internet or phone
• Discounted consumer loan interest rates with Auto-pay
EQUAL HOUSING
LENDER
Convenient. Easy. Strategically strong. Totally Free Business Checking is a great way
To keep your business moving forward. This versatile program helps you manage
Day-to-day business concerns, as well as addresses the bigger picture.
And while this program fits most businesses perfectly, there are other options you may wish
to consider.
Our Business NOW Checking is designed for sole proprietors and not-for-profits organizations.
Business Analysis Checking serves the needs of larger businesses.
Lastly, our Business Advantage Money Market Account provides a great way for your business
to earn interest* on excess funds while keeping those funds accessible and liquid**. You need only
$2,500 to open when you have your primary business checking account with Mountain West Bank.
• No minimum balance
• Free online banking
• Free e-statements
• Monthly statements by mail or electronically
• FDIC insured to applicable limits
• No service fees on balances of $2,500 or more,
just $8 per month on lower balances
*Tiered interest rates variable at any time at the discretion of the bank.
Not available to individuals or financial institutions.
**Standard money market limitations on withdrawals.
Schedule of fees is applicable where relevant.
See your professional Mountain West Bank representative for further
details on all four of our checking programs. We can match your needs
with proven results and solutions.
EQUAL HOUSING
LENDER
Bold type denotes bank provided.
Switching is easy, you can do it today.
SOLE PROPRIETORSHIPS
1. S ocial Security Number of Sole Proprietor -OR- Federal Employer ID Number (EIN a.k.a. TIN).
For more information: http://www.irs.gov/businesses/small/article/0,,id=102767,00.html
2. Certificate of Assumed Business Name: http://sos.idaho.gov/
3. Valid government-issued photo identification from signer(s) who will have access to the account.
4. F ictitious Name Filing (if applicable; this is usually unnecessary if owner’s full name is in the business name).
Some states do not require this, to find out if it applies to you, reference the appropriate state website.
In Idaho: http://sos.idaho.gov/
In Washington: http://secstate.wa.gov/
In Utah: http://mycorporation.intuit.com/secretary-state/utah/
5. A Social Security Number and valid government-issued photo identification of any additional signer(s).
6. O
pening Deposit only $50 for checking account or planned savings account; $200 minimum balance to avoid
quarterly service charge on savings account.
7. Money Service Business Questionnaire (completed by bank at account opening).
8. Bank Authorization Resolution (completed by bank and signed by customer at account opening).
PARTNERSHIPS
1. F ederal Employer Identification Number (EIN) of partnership– a.k.a. Tax ID Number (TIN). For more information:
http://www.irs.gov/businesses/small/article/0,,id=102767,00.html
2. Partnership Agreement –OR- Articles of Partnership: http://sos.idaho.gov
3.
Evidence of Formation / Filing with State. For more information, check the following sites:
4. F ictitious Name Filing (only if legal name of business is not used as the trade name; this applies to certain states only
ask your Mountain West Bank representative for details)
5. O
pening Deposit only $50 for checking account or planned savings account; $200 minimum
balance to avoid quarterly service charge on savings account.
6. Money Service Business Questionnaire (completed by bank at account opening).
EQUAL HOUSING
LENDER
Bold type denotes bank provided.
LIMITED LIABILITY COMPANIES (LLC)
1. F ederal Employer Identification Number (EIN) of corporation – a.k.a. Tax ID Number (TIN). For more information:
2. Articles of Organization –OR- Certificate of Formation or Incorporation –OR- Charter. http://sos.idaho.gov
3.
Evidence of Formation / Filing with State. For more information, check the following sites:
4. F ictitious Name Filing (only if LLC’s legal name is not used as the trade name).
5. O
pening Deposit only $50 for checking account or planned savings account; $200 minimum balance to
avoid quarterly service charge on savings account.
6. Money Business Service Questionnaire (completed by bank at account opening).
CORPORATIONS
1. F ederal Employer Identification Number (EIN) of corporation – a.k.a. Tax ID Number (TIN). For more information:
2. Articles of Incorporation –OR- Certificate of Formation or Incorporation –OR- Charter: http://sos.idaho.gov
3. E vidence of Formation / Filing with State. For more information, check the following sites:
4. F ictitious Name Filing (only if corporation’s legal name is not used as the trade name).
5. O
pening Deposit only $50 for checking account or planned savings account; $200 minimum balance
to avoid quarterly service charge on savings account.
6. Money Business Service Questionnaire (completed by bank at account opening).
EQUAL HOUSING
LENDER
Mountain West Bank Locations
Ione
WASHINGTON
IDAHO
UTAH
W WW.M O UN TA I N W ES T BANK .CO M
EQUAL HOUSING
LENDER
SCHEDULE OF FEES
Only Mountain West Bank brings you Total Fee Disclosure™. That means there are never any hidden
fees associated with your Mountain West Bank accounts. Total disclosure, no hidden fees and no fine
print. That’s responsible banking that builds long-term relationships.
Account closed within 6 months of opening ............................................ $20.00
Account research ................................................................................ $20.00/hour
ATM or debit card re-issue fee ...................................................................... $5.00
Cash machine fees: at any Mountain West Bank or
Starsm ATMs or Starsm Point of Sale terminals ................................ no charge**
Cashiers’ checks ........................................................................................... $3.50
Check cashing ........................................................................................... $15.00
Counter checks, each ..................................................... $3.00 per page (4/page)
Dormant account fee ..................................................................... $12.00/month
Deposited items returned ............................................................................ $4.00
e-Statements ................................................................................................ FREE
Foreign currency orders (including FedEx shipping) .................................... $35.00
Items sent for collection ............................................................................. $20.00
Nonsufficient Funds (NSF) - (each debit or check returned) .......................... $29.85
Overdraft (each debit or check paid) ..................................................... $29.85***
Overdraft,sustained ................$5.00 per day until the account is back in good standing
Overdraft transfer fee (per transfer) .............................................................. $5.00
Quicken®/Money Download Access Fee ........................................................ FREE
Safe deposit boxes ........ Visit your Mountain West branch for fees and availability
Safe deposit key deposit ............................................................................. $15.00
Stop payments ......................................................................................... $30.00
Travel card ................................................................................................ $11.95
Wire transfers ............................................................................................ $21.00
Foreign wire transfers ................................................................................ $42.00
**When using a non-Mountain West ATM, you may be charged a surcharge, or
convenience fee by the ATM owner. The amount of the fee will be disclosed by the
terminal owner at the time of the transaction.
***Overdraft fees apply to overdrafts created by check, in-person withdrawal, ATM
withdrawal, or other electronic means.
Rev. 04/12
NEW BUSINESS ACCOUNT APPLICATION
EQUAL HOUSING
LENDER
Today’s Date _______ / _______ / _______
BUSINESS NAME
Business Name:
EIN:
Code Word:
Physical Address:
Mailing Address:
Work Phone:
Street Address
City
State
Zip
Street Address
City
State
Zip
(
)
-
Cell Phone:
(
)
-
E-mail Address:
Federal regulation requires that the Bank have on file verification of customer identification. Please attach a photocopy of your driver’s license or other photo ID if requested.
Your Name:
Title:
CUSTOMER INFORMATION
_
_
SSN:DOB:
Physical Address:
Mailing Address:
Home Phone:
_
_
Street Address
City
State
Zip
Street Address
City
State
Zip
(
)
-
Work Phone:
(
)
-
E-mail Address:
Cell Phone:
(
)
-
Employer:
Mother’sOccupation:
Maiden Name:
Drivers
License #:
StateExpiration
Issued:
Date:
Your Name:
Title:
CUSTOMER INFORMATION
_
_
SSN:DOB:
Physical Address:
Mailing Address:
Home Phone:
_
_
Street Address
City
State
Zip
Street Address
City
State
Zip
(
)
E-mail Address:
-
Work Phone:
(
)
-
Cell Phone:
(
)
-
Employer:
Mother’sOccupation:
Maiden Name:
Drivers
License #:
StateExpiration
Issued:
Date:
Rev. 03/11
BUSINESS ANALYSIS CHECKING WORKSHEET
EQUAL HOUSING
LENDER
Use the following worksheet to help determine approximate
balance needs on Business Analysis Checking to offset any costs.
A
CREDIT EARNED ON BALANCE
Estimate Average Collected Balance
Divide by 1,000
(divided by 1,000)
Multiply by ____________ earnings credit*
B
(multiply)
MONTHLY CHARGES
Basic Service Charges:
Monthly Service Charge, $10.00
Number of Checks the Customer Writes ________ X .10
Number of Credit Items ________ Bankcard, ________ Deposits X .25
Number of Items Deposited (on us, local, transit) ________ X .06
Additional Service Charges:
Number of Electronic Cash Management Transactions ________ X .10
Number of Wire Transfers ________ X $16.00
Number of Stop Payments ________ X $25.00
Number of NSF Items ________ X $29.85
Number of Returned Items ________ X $4.00
Total: C
CUSTOMER’S ESTIMATED MONTHLY CHARGES
Total Monthly Charges (B, above)
Less Monthly Credit Earned (A, above)
(subtract)
Monthly Fee (cannot be less than zero) *This is only an estimate. Balance credit is earned on collected balances during the month.
Rev. 04/12
CHECK ORDERS
EQUAL HOUSING
LENDER
Only for personal size checks in a business name. For more options please visit https://reorder.harland.net/
Business Name:
Customer Name:
Account Number:
Account Type:
Order Code/Style Number: (required)
Starting Number:
See Catalog with Bank Representative.
Quantity:
Style:
SingleDuplicate
Personal Details:
Address:
Name #1
Name #2
Name #3
Include Phone Numbers?
Yes
No
Number:
Include Drivers License Number?
Yes
No
Number:
Ship to:
Address on Checks
Branch
Branch #
Delivery Method:
Standard: 7-10 Business Days, No additional Charge
First Class: 4-6 Business Days, $8.35 Additional Charge
*Quick Ship: 2-3 Business Days, $18.95 Additional Charge
*Quick Ship: 1-2 Business Days, $21.95 Additional Charge
*There is a 10:00 am cut off time for the Quick Ship Options. Additional costs may apply to business checks.
Special Instructions:
Customer Signature: ________________________________________________________
Rev. 03/11
BUSINESS DEBIT CARD REQUEST
EQUAL HOUSING
LENDER
BUSINESS DEBIT CARD
Business Name:
*Limited to 19 Characters including spaces
Customer Name:
*Limited to 19 Characters including spaces
Account Numbers:
Mailing Instructions:
To Customer Address
To Branch Location
Special Requests or Comments:
Rev. 03/11
ONLINE BANKING APPLICATION
EQUAL HOUSING
LENDER
Online Banking & Bill Pay Disclosures/Agreement
The Mountain West Bank NetTeller Funds Transfer Agreement (“this Agreement”) is entered into between Mountain West Bank (“the
Bank”) and the undersigned account customer. As used in this Agreement, the words “you” and “your” means the undersigned account
customers having account privileges on all of the accounts listed on the NetTeller Setup Form which are referred to as “the Funds Transfer
Accounts.”
The Bank is requested to set up the Funds Transfer Accounts for access through the NetTeller banking product. The person(s) signing the
application below will be permitted to electronically transfer funds between the Funds Transfer Accounts through the Internet by using
an Identification code (“Password”) and a Personal Identification Number (“PIN”). The proper combination of Password and PIN will be
referred to as the “Access Code”.
The Bank will permit access to the Funds Transfer Accounts to an individual who has the Access Codes. In order for the Bank to maintain
the security of the Funds Transfer Accounts, the Access Code is used by the Bank to identify the individual authorized to obtain access to
and make transfers between Funds Transfer Accounts. You agree not to reveal your Access code to any individual who is not authorized
to have access to the Funds Transfer Accounts. By signing this Agreement, you agree that it will be conclusively presumed that any
transfer between the Funds Transfer Accounts using NetTeller was done with your actual authority if done by you or any individual who
was furnished your Access Code.
Certain disclosures pertaining to consumer accounts and transaction are set forth in the terms and conditions of your Mountain West
Bank Account. By signing this Agreement, you acknowledge receiving a copy of this disclosure. It contains information about your
account. You also agree to receive changes to terms and conditions by electronic form (e-mail, web site postings) in lieu of regular mail.
A request for a transfer of funds between the Funds Accounts occurring after 7:00 P.M. PT will be posted the following business day.
Either you or the Bank may terminate this agreement at any time. In the event of termination, the rights and obligations of each party
shall terminate. Only funds that are available, in accordance with the Bank’s Funds Availability Policy, can be transferred between the
Funds Transfer Accounts.
In making electronic transfers between the Funds Transfer Accounts, the bank shall have no liability whatsoever to you for any special,
general, direct, indirect, or consequential damages. Your failure to notify the bank, except for transactions to which the Electronic Funds
Transfer Act apply, within 14 days after notice is received by you for any unauthorized transaction, shall discharge the Bank from any
liability to refund any unauthorized transaction. By signing this agreement, you also acknowledge that you have read and will abide by
the Terms and Conditions of Usage of Mountain West Bank’s web site posted on the site.
Bill Payer: By signing this agreement, to authorize Mountain West Bank to post payment transactions generated by PC from the Bill
Pay service to the account you have indicated in the box marked Pay From Account. You understand that you are in full control of your
account. If at any time you decide to discontinue service, you will provide written notification to Mountain West Bank. Your use of the
Bill Payment Service signifies that you have read and accepted all the terms and conditions of the Bill Paying Service.
You understand that payments may take up to 10 business days to reach the vendor and that they will be sent either electronically or
by check. Mountain West Bank is not liable for any service fees or late charges levied against you. You also understand that you are
responsible for any loss or penalty that may incur due to a lack of sufficient funds (NSF fees apply) or other conditions that may prevent
the withdrawal of funds from your account.
Online Banking & Bill Pay Application
Primary Account Holder Name
Secondary Account Holder Name
Address
Address
C
City, State, Zip
Home Phone
Social Security Number
CUSTOMER’S ESTIMATED MONTHLY CHARGESCity, State, Zip
Social Security Number
E-mail Address
Your signature, please. By signing, you agree to the terms and conditions
as stated above. You acknowledge that you are an authorized signer on
all accounts listed here. If you want access to more than these accounts,
list the others on a separate sheet of paper and attach.
Work Phone
Home Phone
Work Phone
Account Number
E-mail Address
Type
(savings, checking, or loan)
What would you like to call
your account?
Sign me up to
pay bills from
account number
___________________
_
Rev. 07/11
ONLINE BANKING INFORMATION
EQUAL HOUSING
LENDER
Get Connected...With Free Online Banking & Bill Pay.
Access to your accounts has never been simpler! NetTeller banking is available 24 hours a day, seven days a week, and you can
access all of your Mountain West accounts.
View transactions between defined dates, transfer between accounts on a one-time basis, or set up recurring funds transfers,
including loan payments. View checks as they clear your account, too! Print statements, download into financial or spreadsheet
software for better management of your cash. For a small fee, you can download to Quicken and MS Money. Ask us for details.
Transfers scheduled for a day that falls on a weekend or holiday will take place the last business day before the weekend or
holiday.
It’s As Easy As A Click Of The Mouse.
To get started, you’ll need access to a computer and an Internet service provider. Then, complete the simple application (also
available online at mountainwestbank.com), sign and either mail it to us at P. O. Box 1059, Coeur d’Alene, Idaho 83816, fax it to us
at (208) 292-0599, or drop it by any of our branches. You will be provided with a unique NetTeller identification number. The first
time you log in, you will be prompted for your identification number and your PIN. Your PIN will be the last four digits of the primary
account holder’s social security or tax identification number. You will then be prompted to change it to a PIN only you will know.
It’s Safe, Secure, And Reliable.
Not only is Internet banking one of the most convenient ways to access your accounts, it also stringently adheres to industry
standards regarding security. We employ state-of-the-art technology to keep your information secure. All sensitive information is
encrypted and access requires a password that only you know. If you accidently forget to log off the system, NetTeller logs you off
after just a few minutes. These are just a few of the security systems in place.
It’s User Friendly.
You have the flexibility of giving your accounts names that have meaning to you instead of trying to remember what number goes
with which account.
What Happens If I Forget My PIN?
You are allowed three PIN attempts, and on the third attempt, if invalid, the system will lock you out for 24 hours. After the 24 hour
period you may attempt to log in again. If you lose or forget your identification number or your PIN, Customer Service can help you
during regular business hours. Call (208) 765-0284 (Coeur d’Alene residents) or 1 (800) 641-5401 for assistance.
Pay Your Bills Online.
With Mountain West Bank’s online Bill Pay, consumers can pay their bills free. You can pay anyone in the United States, from your
next door neighbor, to the utility company, the bank, or someone across the country (with the exception of government entities).
The money will be withdrawn from your account on the date you have set if the payment is electronic. If the payment is by check,
the money will be withdrawn when the check clears your account.
You may add or delete payments scheduled Sunday through Friday up until midnight of the day before the scheduled payment.
Payments are processed twice daily, 10:00 a.m. PST and 12:00 a.m. PST.
If the scheduled payment falls on a weekend, your payment will be processed on Friday evening. Holiday processing is done the
following day after the holiday. Check payments should be scheduled ten business days in advance to ensure proper posting.
Electronic payments should be scheduled two to three business days in advance of when you want the payment to be posted at
the payee. Payment history is stored from the time you start using Bill Pay forward.
The minimum amount you can make a payment for is a penny. You may schedule payments ninety days in advance of the first due
date. Recurring payments can have an end date of any date in the future. You may make multiple payments to the same payee as
long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
For more information, please contact a Mountain West Bank representative.
Rev. 03/11
ORGANIZER
EQUAL HOUSING
LENDER
Use this page to keep track of all the information you need to
switch deposits and automatic payments to your new bank account.
Your New Account Number
Your New Routing Number
Direct Deposits
Company Name/Address
123171955
Account Number
Phone Number
Close Old Account Company Name/Address Account Number
Phone Number
1
2
3
Automatic
Payments
1
2
3
4
1
Make sure all of
your outstanding
checks have paid
through your
previous account.
2
3
4
5
6
Rev. 03/11

Mountain West Bank Business E

Transcription

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