Our Business Banking section provides you with the information you need to make informed decisions about the future of your business. AmericaUnited Bank and Trust Company USA is a locally owned and managed independent bank, which means you get personal attention from a banker you know and trust. Our complete package of business products can help you meet your immediate financial needs as well as your long-term business goals.

DEPOSIT SERVICES

Our Commercial Checking Account is available to sole proprietorships, associations, partnerships, corporations, limited liability companies and non-profit organizations. The following service charges will apply each month:

Fee for service:

A credit allowance, calculated on the account's average collected balance, is deducted from the above activity charges. This credit allowance will reduce or may eliminate an activity charge. If the average collected balance is negative a rate of 2% over the prime rate is charged.

Higher performance money market accounts provide enhanced investment opportunities for commercial customers.

• Minimum balance to open $2,500.00
• Interest will be compounded monthly and will be credited to the account monthly
• You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield
• Monthly handling charge
  • Minimum balance of $2,500.00 and above - No monthly handling charge
  • Minimum balance of $2,499.99 and below - $15.00 monthly handling charge
• FDIC protection
• Rates

Money Market Accounts are limited by Federal Law to six preauthorized transactions per four week or similar period (checks, telephone, wire or ACH transfers) and only three (3) may be by check. Additional withdrawals are charged $15. Excessive withdrawals may require that the account be closed. Unlimited in person withdrawals.

This statement savings account offers a competitive rate.

• Minimum balance to open $500.00
• Interest earned on collected balance & credited quarterly
• Account handling charge
  • Minimum balance of $500.00 and above - No quarterly handling charge
  • Minimum balance of $499.99 and below - $6.00 quarterly handling charge
• Excessive Withdrawal Fee
  • $1.00 for withdrawals in excess of 9 per quarter
• Rates

Savings Accounts are limited by Federal Law to six preauthorized transactions per four week or similar period (checks, telephone, wire or ACH transfers) and only three (3) may be by check. Excessive withdrawal may require that the account be closed. Unlimited in person withdrawals.

Available to sole proprietorships, associations, partnerships, corporations, limited liability companies and nonprofit organizations.

With AmericaUnited's Certificates of Deposit you have the freedom to choose the amount of money you want to invest and the length of time you want to invest it. AmericaUnited Bank offers investors competitive yields with minimum risk.

• Maturities range from six months to four years
• Interest will be compounded quarterly and will be credited quarterly
  
• You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Minimum deposit of $1,000.00 is required to open a CD
• Substantial interest penalty applies to an early withdrawal
• Rates

Higher performance sweep accounts provide enhanced investment opportunities for commercial customers.

• Links your operating business checking and overnight investment
• Funds that are in excess of the targeted collected balance set in the business operating account are automatically invested overnight at a competitive rate

A simplified employee pension plan (SEP) is established by an employer or self-employed individual to provide retirement benefits for himself/herself and the company's employees. We offer the same variety of certificates of deposit for our SEPs as we do for our regular IRA's.

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CORPORATE EXECUTIVE PROGRAM

This Corporate Program provides the following personal banking services to the executive management of any corporation that has a commercial account with AmericaUnited Bank.
Executive management can enjoy the following personal banking services:

Personal Checking - no minimum balance requirement, no limit on checks written. First 200 standard checks free.

MasterMoney Debit Card - 24 hour, worldwide Debit card for cash or purchases.

Preferred Investment Account - Investment checking account with Wall Street Yields. (Minimum balance of $5,000.00)

Visa Gold Credit Card - $10,000.00 credit limit at a low 11.88% APR. First year annual fee waived.($20.00 per year thereafter) Bonus points redeemable for gifts and travel.

Overdraft Protection - $2,500.00 credit line combined with your personal checking account.

Safe Deposit Boxes - free select safe deposit box rental (subject to availability)

Free Traveler's Checks - select American Express Traveler's Checks

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CREDIT PLANS

AmericaUnited offers a wide range of credit products to assist businesses and individuals in achieving their financial and strategic goals. Our veteran bankers are experienced at customizing loans. Credit Plans include lines of credit, installment loans, letters of credit, SBA guaranteed loans and a variety of real estate loans for owner and non-owner occupied properties including purchase loans, cash-out refinances, construction and land development loans.

Revolving lines of credit are ideal for taking advantage of supplier discounts or for a variety of short-term funding needs. These lines of credit can be structured in many ways and are frequently supported by accounts receivable and inventory. Is your business seasonal? Let us structure a line of credit to accommodate the seasonal nature of your cash flow.

Installment loans are best suited for needs supported by long term cash flow. Good examples include machinery and equipment, vehicles, business expansion, etc.

Banking solutions to fit your needs.

At AmericaUnited Bank, we understand that a commercial loan at times may not ideally address a specific borrowing need. Leasing complements a banking relationship to the extent that over 80% of American businesses employ some form of lease financing in their business operation.

Why Businesses Lease

• 100% financing which keeps cash flow free
• Allows the benefit of ownership without major cash outlays or asset management responsibilities
• Off balance sheet financing that positively affects leverage
• Flexible terms
• Ease of doing business
• Permits piecemeal financing
• Borrowing capacity is preserved
• Provides 100% deductibility of rental costs
• May offer tax advantages as an operating lease
• Can provide long term, fixed rate financing to protect the operating budget from fluctuations in variable interest rate conditions

What Equipment Can Be Leased (Not Limited To)

• Manufacturing, Industrial and Construction Equipment
• Packaging, Material Handling and Warehouse Equipment
• Printing, Publishing and Graphic Arts Equipment
• Computer Hardware and Software
• Office Furniture and Related Office Equipment
• Medical and Healthcare Related Equipment
• Trucking and Transportation Related Equipment
• Telecommunication Equipment
• Technology Related Equipment
• Retail Related Equipment

To start is easy!! Simply click here to access our application. If you are contemplating an equipment purchase please contact us. Our leasing representative can be reached directly at 847-882-2828 extension 224.

SBA guaranteed loans have been developed to make loans available to small businesses that are otherwise unable to procure bank financing. These loans are administered through financial institutions such as ours and repayment is partially guaranteed by the Small Business Administration. These loans are an excellent tool for raising startup capital or financing existing operations and expansion plans.

We are proud of the fact that many residential subdivisions and commercial buildings have been built in the Chicago area with the assistance of AmericaUnited Bank financing. We make great efforts to design flexible, customized loan programs to fit the needs of the builder and the unique characteristics of the property. We also provide land acquisition and development loans, including performance letters of credit. Purchasing and refinancing a variety of property types is made easy and interest rates and terms are always competitive. We finance owner and non-owner occupied properties including homes, apartment buildings, office buildings, industrial buildings and retail properties.

For more information about the financing options available at AmericaUnited Bank, call a Commercial Loan Officer at 847-882-4000.

Your business can offer added convenience to your customers by accepting their payment through credit cards. Over half of all Americans have a credit card and find it more convenient to make purchases with these cards than with cash or check. AmericaUnited Bank can open the door of opportunity for you through our Merchant Services Program.

AmericaUnited provides you with efficient and secure processing for all your credit card transactions. Contact our Merchant Services Representative at 847-882-4000 or e-mail us at newaccounts@aubt.com for more information.

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Our Cash Management Program allows you the flexibility to pick and choose the services you need to help your business grow and prosper.

Online Cash Management

At AmericaUnited, our PC-based Cash Management Service is designed to help you manage your funds more efficiently and effectively, allowing you to maximize your return. This innovative "real-time" service allows you to access your account information as often as you like, whenever it is convenient, directly from your personal computer. Online Cash Management is the best way to conduct your daily commercial banking activities.

All you need is a personal computer, a modem, and internet access, and you will be able to:

• Obtain daily or historical balance information
• Transfer funds between your AmericaUnited accounts
• Download transactions for automatic reconciliation
• Communicate with the bank via e-mail
• Create stop payment orders
• Originate ACH transactions
• Initiate outgoing wire transfer requests
• Cash concentration: consolidation of funds from other outlying
  depository bank accounts to one master account at AmericaUnited.

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ADDITIONAL SERVICES

Lock box service is a collection method that is used to accelerate the processing of your receivables. By allowing the Bank to process your receivables, your company will benefit from enhanced cash flow, efficient processing, reliability, control and increased productivity.

How Lockbox Service Works
AmericaUnited assigns a P.O. Box number to your business
You instruct your customer to remit payment to the new P.O. Box number
AmericaUnited schedules daily pickup of Lockbox items
Payments are processed according to your instructions and funds are deposited directly into your commercial checking account.

For more information on our lockbox program, contact a Retail Banker at 847-882-4000 or e-mail us at newaccounts@aubt.com.