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BUSINESS BANKING


Why have a Business Banking Relationship with Malaga Bank?

Your business is unique, and you need a banker who understands your business and your financial structure. Our business bankers work with you to realize and achieve your business' financial goals. You'll have the peace of mind knowing that we are here to take the guess work out of business banking so you can get back to work.

Choose from a variety of Business Products and Services; from checking accounts to loans and lines of credit, our business bankers are accessible to answer your questions and meet your individual financial needs.

Business Accounts

Accounts Minimum Opening Deposit Check Writing Monthly Service Charge Interest Image Checks Limitations Account Features
CHECKING PRODUCTS
Business Checking Plus
Sole
Proprietors
$100 Yes $10 if balance falls below $1,000 during the statement period. Yes Yes Write 50 checks. $0.25 each additional check. Bill Payer
Business Debit card
E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Business Checking
Corporations, LLC, LLP, LP
$500 Yes $15 if balance falls below $3,000 during the statement period. No Yes 25 deposits and/or write 100 checks. $0.25 each additional item. Bill Payer
Business Debit card
E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Community Checking
Non-profit Organizations
Non-profit Corporations
$100 Unlimited None Yes Yes None Bill Payer
Business Debit card
E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Analyzed Business Checking $500 Yes $20 per account analyzed. No Yes Refer to Schedule of Fees Bill Payer
Business Debit card
E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Client Trust Account
IOLTA - Attorneys only
$100 Unlimited $10 if balance falls below $1,000 during the statement period. Yes Yes Service charge is done through quarterly analysis. Interest, minus permissible fees, is paid to the state program. Attorneys are responsible for fees that the state program does not permit to be paid from the interest. Bill Payer
E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
SAVINGS PRODUCTS
Business Money Market $1,000 Refer to Limitations $10 if balance falls below $1,500 during the statement period. Yes Yes Limit of 6 pre-authorized transfers, including checks, ACH, overdraft, online banking transfers, etc. If limit is exceeded an excess transaction fee of $10 per item will be assessed and/or the account subject to change. Bill Payer
E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Unlimited over the
counter withdrawals
Cash Management $25,000 N/A $15 if balance falls below $10,000 during the statement period. Yes N/A Limit of 6 pre-authorized transfers, including ACH, overdraft, online banking transfers, etc. If limit is exceeded an excess transaction fee of $10 per item will be assessed and/or the account subject to change. E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Unlimited over the
counter withdrawals
Premier Market $500 N/A $5 if balance falls below $10,000 during the statement period. Yes N/A Limit of 6 pre-authorized transfers, including ACH, overdraft, online banking transfers, etc. If limit is exceeded an excess transaction fee of $10 per item will be assessed and/or the account subject to change. E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Unlimited over the
counter withdrawals
Preferred Savings $100 N/A $3 if balance falls below $200 during the statement period. Yes N/A Limit of 6 pre-authorized transfers, including ACH, overdraft, online banking transfers, etc. If limit is exceeded an excess transaction fee of $10 per item will be assessed and/or the account subject to change. E-Statements
Electronic Dep Business(1)
Online/Mobile Banking
Unlimited over the
counter withdrawals

This brochure is for discussion purposes only; complete disclosures provided at account opening. (1) Ask about pricing.    01/13

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Business Banking Services

Online Banking

Malaga Online is designed to help make banking faster, easier, and more efficient.

Gain instant access to your account information from ANYWHERE! Transfer funds between your Malaga Bank accounts, track CD balances and maturity dates, make loan payments, advance your line of credit, pay bills and much more. All this can be done anytime, anywhere, from any Internet connection.

Use key financial tools!
Download your online statements directly to Quicken and QuickBooks with Malaga Online!

Safe and Secure
Malaga Online allows you to bank with confidence via the Internet through a Secure Socket Layer (SSL) protocol which ensures that all data passed over the Internet is encrypted. Your account information is protected by SSL and your User ID and Password ensure that only you have access.


Bill Payer

It's quick, easy and FREE to all customers!

Pay bills anytime without writing or mailing checks with Malaga's Bill Payer. Pay bills faster and easier for both one-time and recurring bills; store bill information for use again the next month. Simply input the amount and the payment date for any future payments.

A computer or electronic device with internet access is all you need! The Bill Payer service is available via Malaga Online.


e-Wires

Send domestic wires more efficiently by using e-Wires at Malaga Online!


e-Statements

Reduce paper clutter! Get statements faster! Go Green!

Sign-up to receive your statement electronically and reduce your paper clutter, help the environment and decrease the possibility of mail fraud and identity theft.

With an e-Statement you can view the same information online that appeared on your paper statement. Once you register, an email notification will be sent when your statement is ready for viewing.

Access your account 24 hours a day from anywhere you have access to the internet. e-Statements are available online for up to 12 months.

It's easy to get started. If you are not already registered for Online Banking, now is the time to log in!

For questions and more information about receiving e-Statements, speak to a customer service representative today.


Mobile Banking

Go Mobile with Malaga Online!

In addition to being able to access your accounts online 24/7, you can now access them 24/7 from your mobile phone.

With Mobile Banking you can view account information from your web-enabled mobile phone, pay bills, make loan payments, transfer funds and search account history.

Mobile Banking offers security features such as:

  • Password protection and state-of-the-art encryption.
  • Privacy protection. No private data is stored on the mobile device.
  • User verification and authentication technology that ensure you are dealing with Malaga Bank when you use Mobile Banking.

Positive Pay
  • Avoid fraud; use bank services to compare and clear business checks.
  • Create and upload specific check payment files; the bank saves these for comparison and individual check review.
  • The bank compares incoming checks against submitted lists, if a check is not found on the list, it's rejected.

Electronic Deposit for Business

Deposit checks right from your office!

Eliminate courier costs and trips to the bank. Increase deposit frequency and check clearing time. Make deposits 24/7, weekends and holidays included - it's so convenient!


e-ACH

Streamline your banking processes by using e-ACH to create and send ACH batches!

  • Use e-ACH to pay employees by direct deposit.
  • Deduct funds from pre-authorized accounts.

Save more time by utilizing recurring batches. Review the history of your e-ACH activity.

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Business Loans

Business Loans and Lines of Credit
Loan amounts from $10,000 to $500,000. Get started now, Loan Application Package

Business Revolving Lines of Credit
Used to support short term operating needs such as payroll, taxes, accounts payable and advertising. Also helpful in funding employee pension plan contributions. Lines of Credit can be accessed by check, telephone, or online transfers.

Business Term Loans
Help you grow and expand whether you're acquiring a business or building, making tenant improvements, or buying equipment or a car for your business.

Lease and Loan Consolidation
Helps manage business expenses more effectively.

Equity Lines of Credit
Allow you to access the equity in your income property or home.

Small Business Administration (SBA) Lender
Small business loan programs guaranteed by the SBA are designed to help your business grow and prosper.

Special Purpose Property Loans
Offered on Office Buildings, Professional Condos, and new Construction.

Income Property Loans
Whether on Commercial Buildings or Light Industrial, these loans offer great financing, along with provisions for additional advances in the future - without making you incur the added cost of refinancing.

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Business Banker

For general questions or comments please email malagabank@malagabank.com.

Please do not send any sensitive or confidential information through this email, such as account numbers or tax ID numbers.

Allow up to 24 hours for a response.

Mark S. Smith
SVP/Business Banking

310-544-7800 Extension 2059

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