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Manufacturers Bank and Trust Company
Commercial Online Banking
It's all about you

Business Checking

Small Business Checking
Basic Business Checking
Business Analysis Checking
Business Interest Checking
Sweep Accounts For Businesses
Business Cash Management Internet Banking

Small Business Checking

  • $3.00 maintenance fee if balance drops below $1,000

Special Features

  • 15 free withdrawals- $0.40 each over 15
  • 5 free deposits- $0.40 each over 5
  • 15 free foreign items- $0.10 each over 15
  • 15 fee on-us items- $0.10 each over 15

*Save $1.00 each month on the service fee by signing up for E-Statements

Basic Business Checking

Low cost no interest bearing checking account designed to meet the checking needs of smaller businesses with limited deposit and withdrawal activity each month.

  • No Minimum Balance Required
    Balances available for your use.
  • Monthly Statement
    Statement includes images of checks for ease of filing and tax purposes.
  • $6.00 maintenance fee if balance drops below $4,000
  • Low cost transaction fees
    You control the cost of your account by limiting the number of checks written and deposited in your account.

Special Features

  • 45 free withdrawals- $0.30 each over 45
  • 25 free deposits- $0.30 each over 25
  • 65 free foreign items- $0.05 each over 65
  • 65 fee on-us items- $0.05 each over 65

*Save $1.00 each month on the service fee by signing up for E-Statements

Business Analysis Checking

A non-interest bearing business checking account that has a monthly analysis to manage the cost of the account.

  • No Minimum Balance
    Balances available for your use.
  • Monthly Statement
    Statement includes images of checks for ease of filing and tax purposes.
  • $8.00 Maintenance Fee
    Low monthly service fee.
  • Earnings Allowance
    Service fee is imposed only when the cost of your monthly service exceeds the earnings allowance.

Special Features

  • Withdrawal fee - $.14 each
  • Deposit fee - $.14 each
  • Foreign Item fee - $.05 each
  • On-Us fee - $.03 each

*Save $1.00 each month on the service fee by signing up for E-Statements

Business Interest Checking

A business checking account that earns interest.  Designed to meet the checking needs of smaller businesses with limited deposit and withdrawal activity each month.

  • No Minimum Balance
    Balances available for your use.
  • Monthly Statement
    Statement includes images of checks for ease of filing and tax purposes.
  • $6.00 Maintenance Fee if balance drops below $4,000
  • Low cost transaction fees
    You control the cost of your account by limiting the number of checks written and deposited in your account.
  • Interest Bearing
    Interest paid on the entire balance.

Special Features

  • 45 free withdrawal- $0.30 each over 45
  • 25 free deposit fee- $0.30 each over 25
  • 65 free foreign items- $0.05 each over 65
  • 65 free on-us items- $0.05 each over 65

*Save $1.00 each month on the service fee by signing up for E-Statements

Sweep Accounts For Businesses

Designed for the larger balance-level customer.  Provides automatic cash management of funds by utilizing retail repurchase agreements (REPOS).

  • Additional deposit coverage
    REPOS are collateralized by U.S. Securities held by a correspondent bank, which are fully guaranteed by the United States or one of its agencies.  No FDIC maximum insurance guidelines.
  • Interest income
    Businesses can earn interest on collected balances.
  • Unlimited sweep transfers
    Automatically sweeps balances from checking to sweep repurchase account and back to checking when the balances are needed to maintain target balance and cover checks written.
  • $25.00 maintenance fee
    Included as part of your monthly analysis fee in maintaining a target balance.

Special Features

  • Withdrawal fee- $0.14 each
  • Deposit fee- $0.14 each
  • Foreign item fee- $0.05 each
  • On-Us item fee- $0.02 each

Business Cash Management Internet Banking

Enjoy the convenience and security of 24-hour access to your account with internet banking, completing your payroll files electronically, bill pay, or other ACH payments or collections.

  • Cash Management
    • Ability to make bill payments.
    • Ability to originate ACH payments.
    • Ability to originate ACH collections.
    • Ability to use electronic payroll deposit.
    • Ability to send a secure ACH or text file.
  • Custom users
    Business customer may set up employees to access bank records based upon their individual needs.  Available features are restricted by individual user ID’s and passwords

Special Features

  • ACH Files- $4.00 each file
  • Payroll Collection Batch Items- $0.04/each item in file
  • Bill Pay Items- $0.50 each
  • ACH Payment Receipts single items- $0.25