Bradford National Bank

Commercial Banking Services

Bradford National Bank offers businesses a multitude of products to meet their unique financial requirements. How can we help your business grow today?

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Business Checking

Bradford National Bank is committed to bringing your business, small and large alike, outstanding customer service. With Bradford National Bank’s Deposit Services, every kind of business in every size will find a solution that will fit their needs.

Regardless of business size, our commercial accounts provide the level of service required at a truly economical rate. Our Customer Service Representatives are trained and ready to provide the personal attention and service you need to make banking at Bradford National Bank a rewarding experience.

Smart Business Checking

  • This is a business account designed for small businesses
  • Up to 100 items processed per month at no charge (electronic items are exempt from item count)
  • Over 100 items are charged at 12 cents each
  • $4 fee for returned deposit items
  • No monthly service fee or minimum balance required.
  • Normal overdraft fees apply
  • A requirement of Smart Business Checking is:
    • E-Statement
    • Online Banking
    • Bill Pay
    • Business Debit Card

Small Business Checking

  • Up to 100 items processed per month at no charge (electronic items are exempt from item count)
  • Must maintain a $500 average daily balance
  • Over 100 items are charged at 12 cents each
  • $4 fee for returned deposit items
  • If $500 average daily balance is not met, there is a $7.50 fee
  • Includes Internet Banking
  • Includes Bill Pay
  • Business Debit Card available for additional fee

Small Business Interest Checking

Ask your customer service representative for information about earning interest on your small business checking.

Medium Business Checking

  • Up to 300 items processed per month at no charge (electronic items are exempt from item count)
  • Must maintain a $2,000 average daily balance
  • Over 300 items are charged at 12 cents each
  • $4 fee for returned deposit items
  • If $2,000 average daily balance is not met, there is a $12.50 fee
  • Includes Internet Banking
  • Includes Bill Pay
  • Business Debit Card available for additional fee

Medium Business Interest Checking

Ask your customer service representative for information about earning interest on your medium business checking.

Large Business Commercial Checking

  • This is an analysis account and fees can be offset by average daily balance
  • 12 cent fee for each check or deposit
  • 2 cent fee for BNB Items
  • $4 fee for returned deposit items
  • 6 cent fee for foreign (non-BNB items) (electronic items are exempt from fee)

Additional Features Of The Bradford National Bank Business Accounts:also sign up for:

  • Free 24-Hour Internet Access to all Business Accounts.
  • Free 24-Hour Tele-Bank Access to all Business Accounts
  • A wide variety of check styles to select from to meet individual business needs.

Contact Bradford National Bank and a representative will assist you in determining which solution will best serve your business.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

ACH Direct Deposit

About Our Employee Payroll Direct Deposit Service

  • Utilizes your PC and the Internet
  • Paying employees by check is becoming obsolete.
  • Today, more than 50% of the businesses in the United States are now paying their employees electronically using payroll direct deposit.
  • Our Employee Direct Deposit service allows your employees to deposit their payroll earnings into the financial institution of their choice.
  • Your employees can deposit their payroll earnings into several accounts and/or financial institutions automatically.

Our Employee Payroll Direct Deposit service has many options and features that provide your company with the best system to meet your needs.

We will provide you with all forms, brochures, documentation and software you will need to begin your payroll direct deposit program.

Your business can electronically transmit payroll direct deposit transactions to us 24 hours a day.

Your employee payroll direct deposit information is safe and secure with us. We use the newest encryption technology and multi-level password protection.

Our Direct Deposit Saves You Money

Direct deposit of your employee’s earnings is less expensive than producing payroll checks.

  • Without direct deposit you must:
  • Print Paper Checks
  • Separate Checks
  • Sign the Checks
  • Stuff Checks in Envelopes
  • Hand Deliver Payroll Checks
  • Stop Payments on Lost Checks
  • Re-Issue Lost or Stolen Checks
  • Reconcile Payroll Account

With direct deposit you need only to:

  • Transmit deposits directly to us
  • Print payroll stubs
  • Distribute stubs to employees

Direct Deposit is a Benefit to Your Employees

Your employees can deposit their payroll earnings into the financial institution(s) of their choice and will have the comfort of knowing their payroll deposit is always made on every payday, even if they are sick or out of town. Employees will have faster access to their money by using ATMs across the United States.

 

Our Small Business Customer Service Includes Easy Access

  • For employers with less than (10) employees we offer an interactive 24 hour Voice Response Service.
  • This service allows your company to transmit payroll direct deposit information directly to us by using any ordinary touch tone telephone.
  • It is quick, convenient, safe and secure. Average time to direct deposit (10) employees pay each pay period is two minutes. This is substantially less time than printing and delivering payroll checks.
  • Our Windows Software processes large volumes quickly.
  • Our Direct Deposit software can import transactions created by your payroll system.
  • You can transmit payroll transactions to us 24 hours a day, seven days a week.

Our Direct Deposit Saves You Money

Direct deposit of your employee’s earnings is less expensive than producing payroll checks.

Without direct deposit you must:

  • Print Paper Checks
  • Separate Checks
  • Sign the Checks
  • Stuff Checks in Envelopes
  • Hand Deliver Payroll Checks
  • Stop Payments on Lost Checks
  • Re-Issue Lost or Stolen Checks
  • Reconcile Payroll Account

With direct deposit you need only to:

  • Transmit deposits directly to us
  • Print payroll stubs
  • Distribute stubs to employees

How to Sign Up

For more information or to apply for our electronic payroll direct deposit service, contact Randy Alderman.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

Credit Card Processing

Increase Sales with Credit and Debit Card Processing

According to Visa and MasterCard, accepting credit and debit cards can dramatically increase your revenue. How does this happen?

  • More Purchase Options: Your customers will typically spend more when they have a variety of payment options
  • Customers Buy More: Credit cards give customers the freedom to spend more, which means they buy more. Plus, they usually buy more expensive merchandise.
  • Stop Losing Customers: Many customers only shop at businesses that accept debit and credit cards.
  • Less Sensitive to Price: Customers are more concerned with prices when they pay cash.
  • Steady Sales: Cash shoppers by heavier on paydays and just before holidays; credit card customers buy whenever the need arises.

Bradford National Bank is a versatile payment partner because we offer more options, which give your customers more choices. By utilizing our multiple payment options, you can:

  •   Increase ticket sizes
  • Better satisfy your customers
  • Build loyalty
  • Attract repeat business
  • Limit losses
  • Lower the cost of doing business
  • And much more…

How to Sign Up

Contact Randy Alderman at Bradford National Bank today for information on our cost efficient turnkey credit and debit card processing solutions.

If you already offer credit and debit card processing, chances are, we can save you money. Let us bid on your existing service.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

Business Debit Card

Bradford National Bank MasterMoney Business Debit Card

Business owners often look at their expenses at the end of the month and wonder, “Where did it all go?” We have the solution – a business debit card from Bradford National Bank. Our system is designed specifically with the concerns of business owners in mind.

With a Business Debit Card, you can simplify your money management

  • All cards linked to one central account
  • Set spending controls for each employee card holder
  • Minimize your need to use personal funds for business needs
  • Track each purchase with receipts
  • Eliminate corporate credit cards

With a Business Debit Card, you can minimize the number of checks you write

  • Funds are automatically deducted from your business checking account
  • No more checks
  • No need to show ID for each check
  • Petty cash no longer needed
  • Speed up transactions

With a Business Debit Card, you can save money and available time

  • Reduce the number of checks cut and reduce check processing costs
  • Directly oversee each employee’s business spending and cash usage
  • All cards are linked to a single account

Apply for your Business Debit Card TODAY!

Applications are available at any Bradford National Bank location in Greenville, Highland or Marine. To request an application by mail, simply contact Randy Alderman.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

Corporate Credit Card

Bradford National Bank Corporate Mastercard

At Bradford National Bank, we offer your business a personalized credit card containing: Your name and the business’ name. Not only is this an easy way to track your spending as well as the spending of other employees using the card, it also gives your business a professional look. A small annual fee applies to BNB Corporate Credit Cards, and balances must be paid at month-end, however, financing options are available upon request.

Apply for your Business Credit Card TODAY!

Contact Pennie Slatton for more details.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

Electronic Federal Tax Payment System

About Our Electronic Tax Payment Service

Paying your State and Federal taxes by check is becoming obsolete. In fact, both State and Federal governments now REQUIRE many businesses to make their tax payments electronically.

  • Today electronic payment of taxes is becoming the preferred method of payment by many businesses.
  • Our electronic tax payment service allows you to make your payment from the comfort of your office via a telephone call to our interactive voice response system or by accessing our secure Internet system.
  • Both systems are available to you 24 hours a day, seven days a week.
  • Your tax payment information is safe and secure when you use our electronic payment service. Our systems uses the latest encryption technology and multi-level password protection.
  • Our E~Business Windows based software allows you to import tax payment information directly from your payroll system or you can use the E~Business software to recall any State or Federal tax payment data.
  • By the click of the mouse you can enter and transmit tax payment to us via the Internet.

Electronic Tax Payments “Save You Money”

Paying your State and Federal taxes electronically is less expensive than writing checks.
WITHOUT electronic payments you must:

  • Print Tax Check
  • Sign the Check
  • Manually Complete Tax Coupon
  • Hand Deliver or Mail Check and Coupon

WITH Electronic payment you ONLY NEED TO:

  • Transmit your tax payment directly to us by Phone or Internet.

Avoid Late Tax Payments and Improve Your Cash Flow

  • Forgetting to make your tax payments on time costs your business money.
  • Our electronic tax payment service allows you to transmit your tax payment to us days before it is due. Our service will automatically warehouse your tax payment and will not release the payment to the government until it is due.
  • Our electronic tax service will not withdraw the payment amount from your corporate account until the day your payment is sent to the government helping you manage your cash even better.

 

How to Sign Up

To apply for our electronic tax service, contact Randy Alderman

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

Other Commercial Services

Bradford National Bank Offers a Variety of Commercial Services

Bradford National Bank has a wide variety of business products and services that can be customized to meet individual business needs.

Remote Deposit

Save time and money. Deposit checks directly from your business.

Night Deposit

Business customers can make deposits after-hours at any Bradford National Bank location in Greenville, Highland or Marine.

Special services such as lockable deposit bags and extra night deposit keys are available. For information contact, Bradford National Bank.

Notary Service

If you have legal documents that require a notary stamp, Bradford National Bank has several licensed notaries at each location to assist you.

Signature Guarantee

  Our notary and signature guarantee services are available for commercial use.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

News & Announcements

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Go GREEN!

BNB Scholarship

Helping you with the next step of your life!
Time for High School seniors to begin thinking about scholarships. Apply for the BNB Scholarship.

Life Happens

Feel safe knowing you won't be caught off guard again.
Learn More about our Account Management Tools and Overdraft Protection Options.

Shazam Bolt$ Debit Card Text Alerts

New Text Alerts Now LIVE For Your BNB Debit Card.

Mobile Pay

Bradford National Bank Now Offers
Android Pay, Apple Pay, & Samsung Pay

Ag Services

Visit Bradford Ag Services Here
Daily Market Reports, News, Weather, and more.

The Bradford Travel Club

Join the Bradford Travel Club Today!

Personal Banking

Bradford National Bank offers a variety of checking and savings programs designed to meet individual needs. From Checking Accounts to IRAs, Bradford National Bank is here to help you meet your goals.

Commercial Services

Bradford National Bank offers businesses a multitude of products to meet their unique financial requirements.

Lending

Bradford National Bank has resources available to make the decision to borrow money more convenient for customers. Bradford can help with home, auto, personal, commercial and agriculture loans of any scope or scale.

Agriculture

Find information on all of the great ag products and services available at the bank in one convenient location.

Locations & ATMS

Greenville - Main Branch

Greenville - Idler Branch

Highland Branch

Marine Branch

ATM Locations

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