Value Solutions Business Checking

Analysis checking for businesses that use Treasury Services and make a lot of transactions.

Value Solutions: Analysis Checking & Treasury Management

For complex enterprises, Value Solutions provides a sophisticated business checking account that leverages an Earnings Credit Rate (ECR) to offset transaction costs. By integrating cash optimization and security tools, this account streamlines managing cash flow.

Some enterprises require a little more from a checking account—such as payroll tools, escrow, ACH, accounts payable and receivable tools, cash optimization, security, efficiency, merchant services…and custom reporting tools. If yours is one of those businesses, Value Solutions might be your Business Checking choice. You’ll benefit from a competitive ECR and the expertise of the experienced local banking and treasury teams at TowneBank.

Value Solutions Account Details:

  • Analysis account with competitive Earnings Credit Rate (ECR) to help offset fees
  • Access to Treasury Services and Merchant Services specialists

Maximizing Corporate Liquidity & Strategic Financing

Large-scale enterprises require a business checking account that does more than just hold deposits -it must actively reduce overhead. With a competitive Earnings Credit Rate (ECR), Value Solutions allows your maintainable balances to directly offset the costs of high-volume processing and specialized treasury tools. This consultative approach to managing cash flow ensures that your capital is optimized for daily liquidity while remaining protected by advanced fraud monitoring and security protocols.


All Accounts Include

Online & Mobile Banking
Monitor your accounts, make transfers and pay bills online and on mobile*.
Debit Card
Debit card can be added to all major digital wallets and includes Mastercard Easy Savings.**
Mobile Banking
Mobile access with mobile deposit*.
Financial Planning Tools
Access to financial planning tools such as Money Management, Quickbooks® and Quicken®^.
Paperless Statements
Option to easily go paperless with electronic statements.
Business Rewards Card
VISA® Platinum Business Card with no annual fee**.
Transfers

Overdraft protection links your checking account to one of your other TowneBank deposit accounts. In the event of an overdraft, available funds will automatically be transferred from the linked account to the covered account. Overdraft protection transfer fees apply. There is no cost to link accounts, and you will only incur a fee if you use the protection.

Coverlines

Link your checking account to a pre-approved line of credit. In the event of an overdraft, funds will be transferred from your line of credit to the overdrawn account. Subject to credit approval; applicable interest rates apply.

FAQs

  • Value Solutions is an analysis business account where your maintainable balances earn credits. These credits are used to offset monthly fees for Treasury Services and high-volume transaction processing.
  • Absolutely. This account provides access to Treasury specialists who help implement ACH positive pay and other fraud prevention tools, making it one of the best business banking accounts for secure, high-volume operations.
  • Yes. Enterprises using Value Solutions often require larger-scale financing. We provide seamless integration with commercial loans and revolving lines of credit to support your operational scale.

*Your mobile carrier's web access and text messaging charges may apply. Mobile check deposit is subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. All terms applicable to Online Banking apply to Mobile Banking.

^Quicken® and Quickbooks® are registered trademarks of Intuit Inc. 

**Normal credit approval criteria apply.

+Fee applies for deposit transfers.

+Coverlines require credit approval and interest rates apply.

Contact us to open your business checking account today!

We use your zip code to match your request with a local banker in your area.
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