State Savings Bank is a local business working for you, the local business owner. We pride ourselves on establishing personal relationships with our commercial customers, giving us insight and understanding of your cash flow needs, your operating requirements and business management. We have the experience to help you succeed and offer both the convenience of fast, efficient loan decisions on a local level and the flexibility to meet with you on your schedule.

• Commercial Checking
• Business Savings
• Commercial Operating and Equipment Loans
• Commercial Real Estate Mortgages
• Merchant Processing

State Savings Bank offers a variety of commercial checking accounts designed to fit your individual business needs. We understand that your time is valuable and we strive to give you prompt, efficient service that allows you to get back to the “real” business of running your business.

Account Analysis is a banking service for business customers that provides a finely detailed statement of all activity related to the account. An earnings credit is offered to offset the monthly fees on the account.

*Subject to Iowa State tax
+See Overdraft Privilege Service Description

Our Basic Commercial checking account is designed for the small commercial business that does a minimum amount of transactions monthly. This account has no service charge if there are (25) or less checks clearing per month. For accounts with slightly more activity, but no more than an average of (50) checks clearing per month, the service fee is only $7.50.

For larger business accounts, we offer account analysis, giving you all the benefits of commercial banking with the opportunity to have reduced or no service fees on your checking account. Every month, a rate of return is credited on the amount of your average collected monthly balance. This amount is used to offset any charges you would receive for banking services, allowing you the opportunity to have no service fees.

To find out more information about any of our commercial banking opportunities, please feel free to contact one of our customer service representatives today.

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Please contact one of our customer service representatives today to get our current competitive rates or check our rates now.

*No Minimum balance charge fee will be charged unless your balance falls below the specified minimum balance on any day during the statement cycle. Withdrawals or transfers from any savings account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per month with no transfers by draft, debit card, or similar order to third parties. An excessive withdrawal fee of $1.00 will be charged for each withdrawal or transfer in excess of six during the month.

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Is your business expanding and needing to purchase new equipment or inventory? Are you looking to increase your working capital or needing assistance with cash flow? State Savings Bank is committed to the growth and future development of our community and offers many types of loans to service everyone from the small business to large corporation. We strive to promote relationship banking, getting to know you as a customer and learning about your individual business needs. We are local people, helping local businesses make informed decisions about your business growth.

State Savings Bank offers a variety of loans including, but not limited to: Equipment, Expansion, SBA, Working Capital, Agricultural, Inventory and much more! Please stop by or make an appointment with any of our lenders today to find out more about our competitive rates and how we can tailor your individual loan request to fit your individual business needs.

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Are you tired of leasing space for your business when you could be gaining equity for your company? Are you looking for competitively priced financing with attractive terms for acquiring investment property? Let State Savings Bank work with you to find the best financing package for your real estate acquisition!

Our goal is to find the right product to fit you. We strive to promote relationship banking, getting to know you as a customer and learning about your individual business needs. We are local people, helping local businesses make informed decisions about your business. about the SBA’s 504 program that might work for your business real estate purchase!

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In partnership with Heartland Payment Systems, State Savings Bank can offer you the most competitive rates and efficient service for your business credit card services. Heartland Payment Systems offers quick approval, very competitive rates and local support along with a host of other business services tailored to fit your corporate needs. Please call Jay Handy at (515) 462-3477 today for more information.

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