Personal & Business Banking

Commercial Banking Services

Distinctly Different

At San Diego Private Bank, our strategy is to integrate an array of business services in order to simplify your life and to save you and your businesses time and money. We have customized our banking services to work for you and to reward you for your relationship as a San Diego Private Bank Client.

• Combine the convenience of checking with the earning potential of investing.
• Gain seamless access to credit.
• Enjoy special rates and free services.
• Access your business accounts via the internet and online Cash Management.

Most importantly, your San Diego Private Banker will provide you with unparalleled service.

• Commercial Checking Your commercial checking account is free of monthly service charges if you maintain an average monthly collected balance that earns a credit allowance greater than your service fees.
• Commercial Interest Plus Account Available to the Sole Proprietor, this account provides a convenient method to handle business finances while earning a competitive rate of interest. Monthly statements are provided so that you may efficiently monitor all transactions.
• Commercial Money Market Account Provides high yielding, secure and flexible savings vehicle for the business investor. Ask your Private Banker about our Commercial Market Indexed account for premium rates tied to a Bank preferred index.
• Attorney Client Trust Accounts Available for California attorneys who are responsible for the receipt and disbursement of client funds. This account provides the flexibility of our interest earning checking with unlimited check writing. Interest earned is remitted to the State of California less the monthly maintenance fee.
• Automated Investment SWEEP Accounts Optimize the use of your company's funds by automatically investing excess cash. Accessible through your checking account, the SWEEP is a fully automated service that allows your business to earn monthly dividends on idle funds. ¹

¹Transactions made are not a deposit, are not federally insured and are not guaranteed by San Diego Private Bank, or by the federal government. Transactions are subject to investment risk including the possible loss of principal and the value of the product may fluctuate.

• Zero Balance Accounting Eliminate the need to manually fund disbursement accounts with multiple transfers. By using this service, you may segregate different types of payments including payroll, accounts payable, and dividends.
• Online Cash Management Balance reporting, positive pay, account reconcilement, Web statements, ACH origination, and bill payment capabilities are all available via our convenient online access. Visit our demo within the online banking icon.
• Remote Deposit Capture  Remote deposit provides a convenient means of making your  deposits directly to your account without having to physically visit the Bank.  This is accomplished by scanning a digital image of the check on to a computer and then transmitting that image to the Bank for deposit.  Quick, easy, and economical! Contact your Private Banker to set up a demonstration in your office and to see if this is the right answer for your business.
• Direct Deposit  Payroll Services Save money, improve productivity and provide a popular benefit to your employees.
• Courier Services We come to you! For pick up and delivery of deposits, cash and coin, let your Private Banker know your specific needs and we will schedule with our "in house" courier.
• Merchant Credit Card Processing Offer your clients the convenience of using their credit card for purchases while reducing your risk and enjoy the benefit of a competitive discount rate.
• Credit or Debit Cards Utilize Visa® debit or credit cards for easier access to funds and to monitor expenses of employees. Ask your Private Banker which method would be best for your organization.
• Commercial Term Loans and Lines of Credit Obtain financing options with working capital loans, letters of credit and lines of credit. Enjoy competitive rates and terms designed to suit your business needs.
• Commercial Real Estate Lending Secure the best possible financing package to acquire, construct and develop business and investment properties. Available for multiple dwelling, commercial, industrial and mixed use properties; ask your Private Banker for more information.