Product Knowledge

PERSONAL DEPOSIT ACCOUNTS

100

I don't charge overdraft fees and am designed for customers starting or restarting their banking journey.

Foundation Checking

200

I earn interest and hold a customer's funds for a fixed term.

CD Account

300

I earn interest and come with complimentary cashier's checks.

Pinnacle Checking

400

I can refund up to $10 in ATM fees if you maintain a $2,500 average balance.

Embark checking

500

To earn a 3.80% APY, a customer must meet these qualifications and know the length of the promotional period.

25k new money and an 11-month term

SAVINGS/MMA

100

I have a $3 monthly fee that can be waived with a $200 daily balance.

Grow Savings 

200

I require a $100 deposit and have a monthly fee of $10 a month

Thrive Money Market

300

I require a 10k min balance or 25k combined balance to waive the monthly matienance fee

Prosper Money Market 

400

I require 100k to open and earn high interest 

Premium Personal Money Market

500

Money saved in this account receives additional funds from a non-profit sponsor to help customers build assets and financial stability.

MISA or IDA accounts

TREASURY MANAGEMENT

100

I allow electric payments to be sent and recieved

ACH Origination

200

I work from your office instead of a branch, I turn checks into electronic deposits, and I can help reduce courier costs and fraud risk.

Remote Deposit Capture

300

  I move money faster than a check, I can travel across the country or around the world, and I use dual authorization and multi-factor authentication to help keep transactions secure.

Wires

400

I require businesses to send an issued check file to Columbia Bank so I can compare it against checks presented for payment and help detect potential fraud.

Positive Pay

500

I work behind the scenes at the end of the day, automatically moving excess cash to another account to help optimize working capital and earnings.

Sweep Account

CREDIT ACCOUNTS

100

I am LOC offered during the account opening process

Business Courtesy LOC

200

I let homeowners borrow against the equity in their home to fund projects, consolidate debt, or cover major expenses. What am I?

HELOC

300

I require you to be in business for 18 months and Im a great resource for small business

Expressline LOC

400

I offer fixed-rate financing, terms of up to seven years, and may cover up to 100% of the purchase amount for qualified borrowers. 

Auto Loan

500

I can provide financing from $5,000 to $5,000,000, and may offer repayment terms of up to 25 years for commercial real estate. What am I?

SBA Loan