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Business Products

Business Savings

Business Savings Account:

This high yielding account is the perfect account to set aside excess business cash flow and watch it grow. Interest is based on a tiered rate structure.

Features:

  • Competitive interest rates
  • Tiered interest rate account
  • Interest compounded daily and posted monthly
  • Unlimited in-person withdrawals
  • 6 pre-authorized withdrawals are allowed per statement cycle
  • Free ATM card with Statement account with NO annual fee
  • $5.00 monthly service charge if average daily balance falls below $500
  • Minimum Opening Balance $100
  • FDIC Insured

Business Money Market

Business Money Market Accounts:

A high yielding account for businesses that maintain moderate to high balances. Interest is based on a tiered rate structure. The account also allows a limited number of checks and pre-authorized debits/ transfers.

Features:

  • No Monthly Surcharge
  • No Minimum Balance Requirements
  • Tiered Rate Structure
  • 6 free checks or pre-authorized transfers are allowed per statement cycle
  • Free Online Banking
  • Free Bill Pay Service
  • Free Visa Debit Card with NO annual fee
  • Monthly Statements w/ Check Images
  • 24 Hour Telephone Banking
  • Minimum Opening Balance $100
  • FDIC Insured

Business CD Accounts

Business Certificate of Deposit:

American Community Bank’s certificates of deposit are ideal for businesses that want to take advantage of higher long-term interest rates.

Features:

  • Competitive Interest Rates
  • Terms from 3 Months to 5 Years
  • Interest posted monthly
  • 10 day grace period after maturity
  • Statement accounts
  • Minimum Opening Balance $1,000
  • FDIC Insured

Non For Profit Checking

Free Not For Profit Checking:

American Community Bank knows that at the heart of every community are the Non for Profit organizations that serve with in them. That’s why our Free Not for Profit Checking account is one of our very best.

Features:

  • No Monthly Surcharge
  • No Monthly Minimum Balance Requirements
  • Unlimited Transactions
  • Competitive Interest Rate on all Balances
  • Community Accounts Program
  • Free Online Banking

**Click For Current Rates

  • Free Bill Pay Service
  • Free Visa Debit Card
  • No Fees for cash deposits or change orders
  • Monthly Statements w/ Check Images
  • 24 Hour Telephone Banking
  • Minimum Opening Balance $100

Interest on Lawyer Accounts

Interest On Lawyer Accounts (IOLA):

American Community Bank participates in the IOLA program. Interest on these accounts is remitted to New York State to provide legal assistance to low income New Yorkers and improve the administration of justice in our state.

Features:

  • No Monthly Surcharge
  • No Monthly Minimum Balance Requirements
  • No Minimum Opening Requirements
  • Unlimited Transactions
  • Competitive Interest Rate
  • Free Online Banking
  • Monthly Statements w/ Check Images
  • 24 Hour Telephone Banking

Commercial Lending

American Community Bank is a leading commercial lender in New York. Our Commercial Loan Officers can help you through every phase of your business by structuring a financial package that meets your specific needs. Commercial mortgages are available for both owner-occupied and investment properties, for terms up to 25 years.

Commercial Mortgage Loans

Long-term permanent mortgage financing for borrowers seeking to purchase or refinance a wide range of owner-occupied or investment properties.

SBA 504 Commercial Mortgage Loans

Borrow up to 90% of total acquisition, renovation, and soft costs (closing costs, attorney's fees, appraisals, environmental reports, architectural fees, permits, etc.) to purchase owner-occupied properties.

Commercial Equity Line of Credit

Access your commercial real estate equity, by check, with a revolving business purpose line of credit.

Revolving Lines of Credit

Revolving lines of credit are flexible and easily accessible short-term source of funds designed specifically to meet your short-term working capital needs.

Business Loans

Secured and unsecured loans are the perfect solution to finance the expansion of your business, refinance existing debt, or purchase vehicles and equipment.

Traditional IRA

  • Available for refinancing or purchase
  • Local decision-making & processing
  • Competitive interest rates keep payments low
  • Flexible term options

Roth IRA

  • Various payment plans available
  • Experienced loan advisors
  • Commitment to one-on-one service

Contact our Commercial Lending Department for more Information Glen Cove Office: 516-609-2850

ACB Xpress Deposit

ACB Xpress Deposit allows businesses to make check deposits electronically without a trip to the bank. With this service, you can electronically transfer your bank deposits of checks using a desktop scanner and a secure Internet connection. You and your deposit never leave your office. Your deposit is credited to your business account as if you had personally handed it to a teller.

Benefits of Remote Deposit Capture

Save Time

With ACB Xpress Deposit, there’s no need for employees to transport deposits to the bank or worry about missing deposit cut-off times. That’s time that can be spent more productively on your business. Items can be deposited up until 6PM Eastern every business day.

Boost Productivity

Transportation or courier costs are completely eliminated, saving your company an annual expense that can easily run into the thousands. And, because deposits are verified on the front end, you reduce the time and money spent on account balancing and reconciliation.

Streamline Processes

Now, there’s no longer a need to maintain multiple Checking accounts. Remote Deposit allows multiple locations to capture deposits remotely and transmit directly to a single account, eliminating multi-bank reporting services and sweep services.

Minimize Risk

By eliminating the need to transport checks physically; you can deposit more items at earlier cut-off times. This can mean accelerated clearing and improved availability of funds.

Account Services

Business Account Services

Online Banking w/ ACB Bill Pay:

Go online to view balances; transfer funds make payments anytime anywhere.

  • Free to ACB customers
  • High level of security
  • Easy to use
  • Save time and reduce errands
  • Convenient 24/7 access
  • Check account balances
  • View transaction history
  • Transfer funds between accounts
  • View images of cleared checks

Merchant Service

Choosing the right payments partner is critical to your bottom line. Our payment processing solutions help you improve cash flow, minimize your collections risk, and better serve your customers, all while meeting stringent security standards to protect cardholder data.

  • Expedited Processing
  • Competitive Rates
  • Flexible Payment Options
  • Superior Customer Service
Call for a free quote today! Telebanc 24 Hour Banking Service

Bank anytime from anywhere. Simply dial 1-877-24HR ACB.

ACB Xpress Deposit

We bring the bank to you with ACB Xpress Deposit. Now you can deposit checks electronically from your desktop without ever leaving the office. Click here for more information.

Visa® Debit Card

Make a purchase at any VISA® merchant location. Payment is automatically deducted from your checking account. Save time as you no longer have to write checks. Access your checking account at any ATM location.

24 Hour ATM

Get cash, make transfers or deposits* 24 hours a day, 7 days a week including holidays at all of our branch locations.

VISA® Gift Cards

Provide the perfect gift to friends and family with a Visa® gift card that can be used virtually anytime, anywhere. VISA® - $5.00 fee

Notary Service

American Community Bank provides Notary service at all of our branch locations to both ACB customers and non-customers

Signature Guarantee

American Community Bank provides free Signature Guarantee service to all ACB customers.

Wire Transfers

ACB facilitates incoming and outgoing wire transfers domestically and internationally.

  • Incoming $25.00
  • Outgoing Domestic $30.00
  • Outgoing Foreign $50.00
Teller Services
  • Cashier’s Checks
  • Money Orders
  • U.S. Savings Bonds Redemption

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