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COMMERCIAL CHECKING &
MONEY MARKET ACCOUNTS
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COMMERCIAL ANALYZED CHECKING
- $100 minimum deposit to open
- No minimum balance to maintain
- Monthly and per item fees apply
- Offers an earnings credit that helps to offset your service fees
- Daily negative collected balance fee = Oklahoma Fidelity Bank
prime + 3%
FREE SMALL BUSINESS CHECKING
- $100 minimum deposit to open
- No minimum balance
- No monthly maintenance fee
- 150 free transactions (checks, deposits and deposited items)
- Free Check Images with monthly statement
- Free Business Check Card
- Free Oklahoma Fidelity Bank Online for Small Business
- Free access to SmartVoice 24-hour information line
- Free Online Bill Pay (first 20 payments free)
RIGHT NOW ACCOUNT
- $100 minimum deposit to open
- No monthly fee for accounts that maintain a minimum daily balance of $1,000
- First 120 items free
- Earns a competitive rate of interest
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INTEREST-BEARING ACCOUNTS
Oklahoma Fidelity offers a full range of deposit products with competitive interest rates.
- Money Market Accounts
- Savings Accounts
- CDs
CDARS®– CERTIFICATE OF DEPOSIT ACCOUNT
REGISTRY SERVICE® Enjoy full FDIC insurance on deposits of up to $50 million, allowing
your banking affairs to be consolidated, resulting in more efficient
investment management of funds.
HEALTH SAVINGS ACCOUNT (HSA) HSAs are designed to help individuals and families defray the
out-of-pocket expense when covered by a High Deductible Health
Plan (HDHP). As HSA account holders, your employees own and
control the funds in the HSA. |
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OTHER TREASURY MANAGEMENT
PRODUCTS & SERVICES |
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AUTOMATED CLEARING HOUSE ORIGINATION (ACH)
With ACH, collect customer payments from multiple locations. It also
provides efficiencies in vendor payments, cash concentration, bill
collection, tax payments, inter-bank transfers, commissions payable,
expense reimbursements and payroll direct deposit.
WIRE TRANSFERS
Initiate, approve and track domestic or international wire transfers.
And with wire transfer notification, receive automated notification via
email, fax and phone for all incoming transfers.
E-STATEMENTS
Easily monitor, verify and reconcile activity on bank accounts and view
your statements online via email.
CHECK IMAGE CD-ROM
Save time, reduce paper storage and improve productivity by
retrieving digitized images of paid and processed checks from
a CD-ROM.
POSITIVE PAY AND ACCOUNT RECONCILIATION
Fight fraud with early detection and review of potentially fraudulent
checks before making final payment decisions. Tellers at the branch
level can also verify checks prior to payment. |
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LOAN SWEEP AND INVESTMENT SWEEP
A cost-effective way to maintain a target balance in your checking
account while minimizing borrowing expenses or earning more
interest. As cash positions change from day to day, Loan Sweep
and Investment Sweep responds automatically to cash flow needs.
It routinely advances on your line of credit when your checking
account drops below a predetermined balance. Alternatively, it uses
excess collected deposits in your checking account to pay down your
line of credit or move funds to interest-earning accounts.
ZERO BALANCE ACCOUNT (ZBA)
Save time by automatically consolidating balances from multiple
checking accounts into a single account. Once funds are centralized
in an operating account, you are able to identify excess cash,
eliminate fund transfers and more.
REMOTE DEPOSIT
Remote Deposit streamlines the check depositing process by securely,
quickly and conveniently scanning checks from any and all of your locations. |
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