Business & Personal Checking Accounts – MutualBank

 

Business Deposits

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Business Banking Security Update

MutualBank provides a variety of deposit products for the small business owner. From our Business Free Checking to Business Checking with Interest, our checking account programs offer business owners a solution to fit their needs. We also offer a special Community Checking for non-profits and a competitive rate Money Market account. Browse below for more details on our business deposit options.

Business Basics Checking
Tired of paying fees on your business checking account? Business Free is designed to provide you with the ultimate value. This account offers month-end statements and simplified fees.

  • No minimum balance
  • First 250 deposited items and checks cleared are free

Business Checking
Does your business have a large volume of checking activity?

  • Business Checking offers no minimum balance requirements and an opportunity to reduce or offset fees through the earnings credit*
  • Business Checking also allows the opportunity to earn interest once the service fees are offset. 
  • Account can be linked to the Business Money Market or lines of credit allowing for overdraft protection

Business Checking with Interest
This account offers the opportunity to earn interest on their checking account.

  • $1,000 minimum balance requirement to earn interest
  • A monthly fee will be charged if the balance falls below $1,000
  • First 125 combined deposited items and checks cleared are free

Community Checking
Our Community Checking allows the not-for-profit organization, government or church/religious community access to their funds anytime with minimal fees and a competitive rate of interest.

  • $5,000 minimum balance requirement to avoid monthly service fee
  • A monthly fee will be charged if the balance falls below $5,000
  • First 500 combined deposited items and checks cleared are free

Business Money Market
Business Money Market is ideal for those interested in earning a good rate with accessibility to funds or a temporary place for investments. Interest is compounded monthly and is periodically determined by the bank.

  • If the balance drops below $2,500, there is a monthly fee.
  • Withdrawals or other transfers (from a Business Money Market account to another account or third parties by preauthorized, automatic, telephone or computer transfer) are limited to six per month with no more than three by check, draft or similar order to third parties.
  • Unlimited in-person transfers.

* Each month, an earnings credit will be computed based on the account's average collected balance less required reserves. Please ask about the current earnings credit rate.

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Personal Banking Security Measures for the 21st Century

clientuploads/21st-Century-Securitysquare180.pngMany of us are constantly connected to the online world these days. This means that the potential is there for our computers and personal information to be compromised which greatly increases the risk of ID theft and financial fraud to occur. However, by taking some basic precautions you can significantly reduce the risk of your computing environment being compromised. Following these simple guidelines should help your computing environment become more secure:

Keep your computer and software up-to-date

Keep your computers and network equipment secured with the latest software updates and enable automatic updates whenever possible.  This includes updates to third party applications such as Java and Adobe Products.  

Use hard drive encryption

In the event your machine is lost or stolen, drive encryption can prevent others from accessing the data on your hard drive.  The purpose is to encrypt or scramble your data on your machine so that it can only be read with your encryption key.Many operating systems offer drive encryption.  Microsoft offers Bitlocker and Apple has FileVault. There are also other third party encryption offerings.   

Enable your firewall

Think of the firewall to your computer as the fence around your property.  If there were multiple holes cut in the fence, it wouldn’t be very useful at keeping people out.  Firewalls are typically enabled by default on Windows machines, but double check to make sure it’s on.  Here are instructions to do so if you are using Windows 7. Only allow necessary applications inbound access through your firewall. The same principles apply to your network firewall. 

Configure your screensaver

Set an auto-locking screensaver so your account gets locked out after a few minutes.  This is useful if you forget to lock your machine when are away from it. On Windows machines this can usually be done by pressing the “Windows Key” and the “L” button simultaneously.

Make your passwords stronger

The longer and more complex the password, the better.  At least 16 characters with a combination of upper and lowecase letters, numbers, and special characters is a best practice.

Configure your router

Use the strongest wireless security available (currently WPA2-CCMP) with a long and complex password for your wireless network. Disable WPS on your wireless router for greater security.   

 


Think that some secure banking information
of yours has been compromised?

If you suspect that your personal financial information has been compromised, call MutualBank Customer Support at 800-382-8031.


 

Monday, April 7, 2014

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Business Deposits

https://www.bankwithmutual.com/clientuploads/Banners/Testimonial8-JF.jpg

Business Banking Security Update

MutualBank provides a variety of deposit products for the small business owner. From our Business Free Checking to Business Checking with Interest, our checking account programs offer business owners a solution to fit their needs. We also offer a special Community Checking for non-profits and a competitive rate Money Market account. Browse below for more details on our business deposit options.

Business Basics Checking
Tired of paying fees on your business checking account? Business Free is designed to provide you with the ultimate value. This account offers month-end statements and simplified fees.

  • No minimum balance
  • First 250 deposited items and checks cleared are free

Business Checking
Does your business have a large volume of checking activity?

  • Business Checking offers no minimum balance requirements and an opportunity to reduce or offset fees through the earnings credit*
  • Business Checking also allows the opportunity to earn interest once the service fees are offset. 
  • Account can be linked to the Business Money Market or lines of credit allowing for overdraft protection

Business Checking with Interest
This account offers the opportunity to earn interest on their checking account.

  • $1,000 minimum balance requirement to earn interest
  • A monthly fee will be charged if the balance falls below $1,000
  • First 125 combined deposited items and checks cleared are free

Community Checking
Our Community Checking allows the not-for-profit organization, government or church/religious community access to their funds anytime with minimal fees and a competitive rate of interest.

  • $5,000 minimum balance requirement to avoid monthly service fee
  • A monthly fee will be charged if the balance falls below $5,000
  • First 500 combined deposited items and checks cleared are free

Business Money Market
Business Money Market is ideal for those interested in earning a good rate with accessibility to funds or a temporary place for investments. Interest is compounded monthly and is periodically determined by the bank.

  • If the balance drops below $2,500, there is a monthly fee.
  • Withdrawals or other transfers (from a Business Money Market account to another account or third parties by preauthorized, automatic, telephone or computer transfer) are limited to six per month with no more than three by check, draft or similar order to third parties.
  • Unlimited in-person transfers.

* Each month, an earnings credit will be computed based on the account's average collected balance less required reserves. Please ask about the current earnings credit rate.

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