Commercial Checking
Whether your business is large or small, Nebraska National Bank has the service and selection to meet your needs. We offer the following Checking options for our business customers...
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Commercial Lending
We offer a variety of different lending options that can help you and your business succeed. Term Loans, Revolving or Seasonal Lines of Credit, and Construction Loans are just a few of the different loans we have to help you put your company in the best position.
Business Services
We offer variety of Services to help you make your banking experience as smooth as possible. If you have feature requests or services you would like Nebraska National Bank to add please Contact Us immeadiately.
Business Checking - Account Types
Whether your business is large or small, Nebraska National Bank has the service and selection to meet your needs. We offer the following Checking options for our business customers.
Business Checking
This type of account is great for businesses that wish to have no minimum balance and write a low number of checks.
- No Minimum Balance
- No charge for first 35 checks per statement period
- Check images and statements returned to you monthly
- NNB ATM card for 24 hour banking nationwide
- NNB Visa Check Card
- Free Internet Banking
- Online Bill Pay
The monthly service charge includes a maintenance fee of $5.00 plus $0.15 per debit item over 35 debit items per statement period.
Seperate Fee Schedule Applies to this Account.
Super NOW for Non-Profit
This is an interest bearing checking account for non-profit organizations such as religious, charitable, educational or political organizations. You can earn various different rates with a three tiered average daily balance system. The three tiers are:
- $500-$4,999.99
- $5,000-$9,999.99
- $10,000-$999,999.99
The following services are available with every Super Now Checking account:
- $500.00 average daily minimum balance to avoid service charges
- Internet Banking
- Unlimited Check Writing
- Interest Compounded monthly
- Average daily balance method used to calculate interest
- Larger balances earn higher rates and annual percentage yields
- Interest rate and annual percentage yield will depend upon the average daily balance in the account
- Monthly Statement and check images
- NNB ATM Card for 24hour banking nationwide
- NNB Visa Check Card
For those accounts not maintaining the minimum balance, the monthly service charge includes a maintenance fee of $5.00 plus $0.15 per debit item during the month.
*A Seperate Fee Schedule applies to this account.
Money Market Account for Business Accounts
- $1,000.00 average daily minimum balance to avoid service charges
- Up to six transfers from your account each four weeks or similar period by check or electronically, three may be payments by check to third parties
- Free Internet Banking/Bill Pay Services
- Withdrawls in person not limited
- Interest is compounded monthly
- Average Daily Balance method used to calculate interest
- Monthly Statement/Images
For accounts not maintaining the minimum balance, the monthly service charge includes a maintenance fee of $10.00 plus $0.15 per debit item during the month.
A seperate Fee Schedule applies to this account. Contact a Personal Banker if you have any questions.
Business Analysis Checking
Commercial Business Analysis Checking uses the available investable balance in your account to earn credits to offset the activity changes. The following defines the terms used to calculate service charges and earnings allowance. For addintional information please contact any Personal Banker or contact your loan representative today.
| Sample Calculation of Commercial Service Charges | |
| Monthly Maintenance Fee 1 @ $5.00 | $5.00 |
| Items Deposited: | |
| On-Us Items 25 @ $0.05 | $1.25 |
| In-Region Items 706 @ $0.05 | $35.30 |
| In-District Items 11 @ $0.05 | $0.55 |
| Out-Of-District Items 3 @ $0.05 | $0.15 |
| ACH Debit 2 @ $0.25 | $0.50 |
| Check or Debit 131 @ $0.03 | $3.93 |
| Total Items Deposited | $41.85 |
| Total Costs | $46.85 |
| Investable Balance: | |
| Average Ledger Balance | $9,139.00 |
| Less: Uncollected Funds | (807.00) |
| Less: Reserves (10.0000%) | (833.00) |
| Total Investable Balance | $7,499.00 |
| Earnings Credit Allowance: | |
| Is used to offset the service charges. | |
| Investable Balance X Rate X Number of days in Cycle divided by 365 days. | |
| $7,499.00 X 2.00% X 28 Divided By 365: | $11.51 |
| Total Service Charges: | |
| Total Costs | $46.85 |
| Less: Earnings Credit Allowance | $11.51 |
| Total Service Charge | $35.34 |
