.::Noble Bank and Trust

Noble Business Accounts

Remote Deposit

Eliminate costly trips to the bank
Expanded deposit window
Quicker access to funds
Ability to centrally manage deposit activity across multiple locations
Consolidation of banking relationships; reducing fees
Faster research time
Streamlines, accurate deposit preparation

What is Remote Deposit?
Remote deposit is an exciting new product that enables you to make deposits into your bank account electronically – without ever leaving your place of business! There’s no software to install and no computers to upgrade. All you need is an internet – enabled PC with a browser and the check scanner we provide.
How does Remote Deposit work?
You accept check payments from your customers. Then, using Remote Deposit, you scan and submit those checks securely over the internet to us. We pick up your remote deposits and process the checks accordingly. It’s just that simple!
How do I know this is safe?
Depositing your checks remotely is largely made possible by new “Check 21” legislation that took effect in October 2004. Check 21 makes a “substitute check” the legal equivalent of the original check. So, Check 21 gives us the opportunity to replace labor – intensive, paper – based check processes with quicker safer, image – based handling and clearing services. The result is faster deposits, more efficient collections, and tremendous convenience for you and your business!

Checking Accounts

Small Business Checking Account
For businesses with limited monthly transactions, this account is non-analyzed and non-interest bearing. Features include:

$100 minimum deposit to open
$10 monthly maintenance fee (No charge if the account maintains a $2,000 minimum daily balance or $4,000 monthly average balance)
125 debit items free ($.25 per debit item in excess)
125 deposited items free ($.25 per credit item in excess)
Negative collected balance charged interest at selected prime + 3%
Free internet banking

Commercial Checking-Analyzed Account

$ 100 minimum deposit to open account
$10 monthly maintenance fee

Per deposited item:

$.05 per on-us item
$.06 per foreign item
$.12 per debit item
$.20 per deposit
Earnings credit rate based upon the average collected monthly balance less 10%. If activity charge exceed this credit, the difference will be charged to the account
Negative collected balance is charged interest at selected prime rate + 3%
Free internet banking

Commercial Checking-Business Interest
(Not available to for-profit corporations or partnerships)

$100 minimum deposit to open account
$10 monthly maintenance fee (no charge if account maintains a $2,000 minimum daily balance or $4,000 average monthly balance)
50 debit items free ($.25 per debit item in excess)
75 deposited items free ($.07 per item in excess)
Interest will be compounded daily, credited monthly and paid on collected balances less the current reserve requirements
Tiered interest rate structured

Commercial Loans

Noble Bank offers a variety of loans to help your business. These include auto loans, equipment loans, real estate loans, working capital loans, revolving lines of credit, builder construction loans, and others. Contact our lenders in either office for more information.

Merchant Services

Give your customers more choices by accepting credit cards, debit cards, ATM cards, and checks. Contact our staff at either office for more information.