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Small Business Banking

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Small Business Banking

CitySmart Ultimate Online Banking for Small Businesses1

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At City National Bank Of Florida, it’s not just your business, it’s our business. As a small business owner (revenues up to $10 million) or professional (physicians, attorneys, CPAs, architects and others with up to $5 million in revenues), we know you deserve more. We want to be more than just your bank - we want to be your partner.

Working with your own Business Banker, we can provide products and lending solutions tailored to fit the needs of your small business from deposit and interest accounts to a full suite of loans including lines of credit and commercial mortgages.

Condo or homeowners association? Our Business Bankers have lending, depository and treasury management services for you, too.‍

1Certain transaction limitations, fees my apply. Refer to the Disclosure and Schedule of Fees for Commercial Accounts for additional information.

Select the Personal Checking Account that Fits your Needs

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ACCOUNT CRITERIA

$100 is required to open an account. A minimum average monthly balance of $5,000 is required to avoid the $25 maintenance fee. Up to 200 free transactions are allowed each month2, along with cash deposits up to $10,000 per month, also at no charge3.

2Transaction items include but are not limited to deposit tickets, checks paid (including electronic payments), deposited items (banking center and remote deposit capture), withdrawals and ACH debits. After 200 transactions, there is a $0.50 per item charge that will be reflected on your monthly statement as a maintenance fee. All wire transfer charges apply.
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‍3Cash deposited after the first $10,000 will be charged at $0.50 per $100 and any fraction thereof.

ADDITIONAL ADVANTAGES

  • Free City National Bank Of Florida Business Check Card
  • Free access to all City National Bank Of Florida and Presto ATM machines
  • Touchtone account inquiries or transfers via CityTel Telephone Banking
  • Superior overdraft protection, available from our Small Business City Line of Credit4

4Subject to credit approval.

Wire Transfers5

  • (U.S. dollar domestic and international wires, foreign currency wires and foreign drafts)
  • Wire funds domestically or internationally via computer (ePartnerTM) or direct written instructions to your account officer, with a high level of security and efficiency (your personal "code word" adds an important layer of security before any wire transfer is transmitted).
  • You'll receive immediate confirmation. Auto-posting of incoming wires expedites crediting your account. Repetitive and semi-repetitive wires are available.

5Fees may apply. Refer to Disclosure and Schedule of Fees for Commercial Accounts.

Regular Commercial Checking

Designed to meet the needs of established businesses with larger transaction volume.

6 This account has an earnings credit, which may partially or completely offset the maintenance fee of $20.00 and service fees incurred by your account. See Disclosure and Schedule of Fees for Commercial Accounts for additional information.

CNB @ Work

City National Bank Of Florida has been meeting the needs of the South Florida business community for more than 75 years. In keeping with the spirit of helping our clients who help their clients, we are pleased to offer a special benefits package for the employees of our business clients. Our CNB@Work package7 is full of features including:

7Account related service fees (e.g., wire, stop payment, etc.) still apply. Certain account restrictions/limitations may apply. This account has a Maintenance Fee of $5.00, if two (2) ACH transactions are not credited per month.

IOTA Interest Checking for Small Businesses8

Convenient account for attorneys to use for client deposits (escrow accounts) and earn interest. Interest is paid to the Florida Bar Association.

8ATM and debit cards cannot be issued on this account. An operating account in the name of the law firm is required in order to charge any non-permissible service charges that the state program does not permit to be paid from the interest earned on the IOTA account, e.g. wire transfer, returned check, overdraft fees, etc. Refer to the Disclosure and Schedule of Fees for Commercial Accounts for additional information

Fast Track Commercial Mortgage9

A streamlined application, approval and closing process for business owners who want to:

Loan Features:

Convenience and Service:

9Loan products are subject to credit approval and program requirements. Terms and conditions apply. This is not a commitment to lend. Loan programs, terms, rates, and conditions are subject to change without notice.

FINANCIAL EDUCATION PROGRAM

Take control of your finances and make your money work for you

The FDIC Money Smart Program is designed to boost your financial skills. You can explore Money Smart resources, as they are available 24/7.

These tools are free of charge and available for all, so remember to share the tools with your family and friends.

Explore The FDIC Money Smart Program

Please note: City National Bank of Florida does not offer tax, legal or accounting advice

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