Irwin Bank and Trust
  17 May 2008
Business Banking at Irwin Bank

Banking Solutions that Can Lower
Your Costs and Help
You Manage Your Money
  • Free small business checking.
  • Business accounts that help you manage your money and your business.
  • The most advanced electronic banking services available.
  • Cash management with optional overnight investment.

Irwin Bank is Proud to Offer You a Comprehensive,
Integrated Suite of Business Banking Products.

Free Business Basic Checking

An efficient banking solution for smaller businesses.

No fee

No minimum balance

Up to 250 total items* processed ($ .20 for additional items)

Free basic IBT e-Link internet access - BillPay is only $10 optional with 15 payments included. $ .75 each after 15

Check Images at no charge

Low cost Visa Corporate Credit Card**

No annual fee Business Check Card***

Free, unlimited cash deposits

Other optional services available. See back panel.

BusinessMax Checking

For businesses with higher transaction volume and higher account balances, the BusinessMAX Checking provides enhanced electronic banking features and more allowed items processed. The monthly service charge can be avoided by maintaining a minimum balance requirement.

$30 monthly fee waived with $25,000 average monthly balance

Up to 500 total items* processed $ .20 for additional items

No charge for IBT e-Link Money Manager

Check Images at no charge

Low cost Visa Corporate Credit Card**

No annual fee Business Check Card***

Free, unlimited cash deposits

Other optional services available. See back panel.

Business Analysis Account

For larger businesses with more sophisticated needs. Irwin Bank will structure a customized package of available services that includes itemized processed items, cash management, and overnight investment of account balances.

Next, Irwin Bank's menu of internet banking services combined with the IBT Business Check Card makes it easier to manage finances and employee expenses in less time.

With your answers to just a few simple questions, your Irwin Bank Business Relationship Manager can recommend and tailor the best banking solution for your business.

For commercial accounts with over 500 monthly items

Account analysis - monthly service charges determined by activity level and optional services offset by compensating deposit account balance.

Cash management (sweep) available

IBT e-Link Money Manager

Check Images at no charge

Low cost Visa Corporate Credit Card**

No annual fee Business Check Card***

* An item is defined as a deposit, deposited item, check written or ACH transaction.
** Subject to credit approval.
*** Some transaction changes may apply. Some restrictions for account eligibility may apply.


The right mix of tools to help you manage the right mix of banking services.






IBT e-link for Business one of the most versatile and powerful internet banking tools available. Its long list of features can include: multi-layer access, balance inquiry for deposits and loans, deposit history, loan payment, stop payment, bill payment and the capability to initiate wire transfers and Automatic Clearing House (ACH) transactions.IBT e-Link is available on two levels of service, IBT e-Link Basic and the more sophisticated IBT e-Link Money Manager. Your Irwin Bank Relationship Manager can advise you on which package is best for your business.

The Irwin Bank Check Card for Business offers the convenience of a credit card, but withdraws the transaction amount from your bank account like a check. With optional access to Automated Teller Machines(ATM), you'll have flexible purchasing power and convenient access to cash. As the account owner, you are in complete control. You can provide cards for employees with the ability to manage spending limits and ATM access on a card-specific basis. Detailed card activity is reported on your monthly statement. And by also using IBT e-Link for Business, you will have the capability to monitor account activity on a daily basis!