Advantage Banking

We offer you a choice of checking accounts, as well as a Business Money Market Account so you can build a strong financial foundation. To make that foundation stronger still, simply create a Business Advantage Relationship by linking your Business or Commercial Checking to a Business Money Market Account. The combined balances not only make it easier to avoid monthly fees, but also reward you with preferred rates on your Business Money Market Account and a host of other discounts and value-added services.

Features

• Avoid Checking Account Fees
• Premium Money Market Rate
• Cash Reserve for Business
• Free Internet Banking
• No Application Fees
• Telephone Banking
• Plus, much more!

Avoid Checking Account Fees

New York Commercial Bank offers a choice of checking accounts, so you're sure to find the right one to meet your particular business needs. Each can be linked to our Business Money Market Account to create a Business Advantage Relationship, which will provide you with a premium rate - and may help you avoid checking account fees.

• Business Checking
• Commercial Checking

Earn a Premium Money Market Rate

Business Money Market - Put your excess cash to work for you - while maintaining liquidity and accessibility to your funds. It offers a tiered interest rate structure, so you'll earn an even higher rate for higher balances. You'll earn a premium rate - and may avoid monthly maintenance fees on your checking account - when you become an New York Commercial Business Advantage customer.

For Small Businesses and Professional Clients

A free Internet banking product designed to meet the basic needs of a small business or a professional office with up to three accounts. With BUSINESS ONLINE you can:

• Verify account balances, deposits, withdrawals and history
• Examine complete check details
• Pay bills on-line (fees may apply)
• Transfer funds between accounts
• Request Stop Payments
• Review loan activity
• Request Wire Transfers (with optional Wire Transfer module)

Application Fee Waived

New York Commercial Bank offers a range of business credit products at competitive fixed or variable rates. So whether you're looking to bridge a short-term gap in your cash flow, or finance a major expansion or equipment purchase, look to New York Commercial Bank. Business Advantage customers enjoy the benefit of having their application fee waived.

Financing Options*

• Business Installment Loan
• Commercial Mortgage
• Review loan activity

Telephone Banking

Use your phone to check balances, verify deposits, transfer funds, confirm loan payments, or speak to a customer service representative during normal business hours. To access this free service, call 1-800-535-2269 or 212-967-7425.

Business Advantage Customers also enjoy:

• No Charge Automatic Overdraft Transfer Option
• Discount on Safe Deposit Box**
• No New York Commercial Bank ATM charge
• Combined Statement

Achieving the financial goals of your business is vital to its long term success. But meeting your individual financial needs is important to your personal success. So take full advantage of New York Commercial Advantage, a broad range of consumer and financial services. Make New York Commercial Bank your partner for success in managing your personal, as well as your business financial requirements.

*Subject to credit approval
**Not FDIC Insured