Business Checking
The 4 different business checking accounts that Banner Bank offers
Basic Business
Complete Business Checking
Complete Plus Business Checking
Analyzed Business Checking
Loan requests for $_________ do not require financials
$100,000 or les
Someone is asking questions about direct deposit, asking to talk with someone about buying a house, ask if we offer the ability for their client to pay with a card- what do you do?
Call your partner with the client right away- catch them when they are HOT.
If not available ask the client for the best time and way for your partner to contact them
How many business checking accounts do we offer?
4
What year was Banner Bank started and what city?
1890- Walla Walla, Washington
3 bundle options available
ACH and wires
Remote Deposit
Positive Pay
Helps manage cash flow, short term expenses and in general is around 10-15% business gross annual sales
Line of credit
Three different partners/products that are included in your branch goals
Mortgage
Treasury Management
Merchant Services
How many accounts do we offer for businesses that want to save money?
5
Bus Savings
Bus MMA
Banner's Best Bus Sav
Bus HYSA
CD
How many states is Banner Bank in and how many branches do we have?
4 states
Was 135 branches but with Bank of the Pacific we now have 150
Cost of TM bundles
$35 per bundle a month with Complete Business
$0 a month with Complete Plus Business
Lending from $50,000 to $2,000,000 to purchase a business property
Owner Occupied Commercial Real Estate- OOCRE
Someone mentions they are getting ready to retire in the next year or asking about saving for retirement or wants to earn more money that what we are offering on CDs or savings- what do we do- who do we call
LPL Financial Advisor- Jared Walsh
Fraud protection for businesses that don't write that many checks
Reverse positive pay
2 examples of awards or accolades Banner Bank has
JD Power
Forbes-100 Best Banks
Newsweek- America's Best Regional Banks
Monthly service fees for each type of business account
Basic- $10 if less than $800
Complete Bus-$18 or $20 w/int- if less than $5000
Complete Plus Bus- $75 if less than $75,000
Analyzed- $22 month plus charges/offsets based on balances and types of transactions
Offers reduced down payments, longer terms and extended loan amortizations
SBA lending- Express is handled by branch team, 7(a) or 504 need commercial or SBA partner
Client wants to talk with someone about business loan but you aren't super knowledgeable and your manager isn't available- who do you call?
Barrett Patel (916)648-3478 or 52386
Business clients are worried about FDIC coverage and they are going to withdraw their funds- what options do we have available
CDARS- cd accts
ICS- liquid accts
List 3 benefits of our QS lending
- Easy application process- 100M or less just need an application
-Fast processing times
-Team collaboration with our underwriters
Share an example of a potential client that would benefit from each type of account
Basic- start-ups, low transaction volumes
Complete- Established businesses, want to offer direct deposit to employees, want fraud protection
Complete Plus- large balances, direct deposit, complete monthly wires, remote deposit- low cash
Analyzed- complex business, multiple entities, public funds, multiple TM products utilized
Give three different examples of equipment/term loans that QS can help fund
Excavator
Computer software
Specialized business equipment- x-ray machines,etc
What is the current Merchant Services referral promotion that the bank is offering?
$100 for each activated MS and chance to win $1000
How many different credit cards are available for businesses
5
Business Platinum- lower rates, no rewards Business Rewards- cash rewards
Commercial Master - lower rate, no rewards
Commercial Rewards-points rewards
Commercial One- cash rewards, no annual fee
What is our Value Proposition at Banner Bank?
Connected. Knowledgeable. Responsive