At Albina, we believe that a bank shouldn’t be a vault that holds peoples’ money or sends it somewhere else.  That’s why what comes to Albina, stays in Portland. When you trust Albina with your deposits, you not only find the same competitive rates and products as you'd find at the other banks, but you also get the satisfaction of knowing that your deposits are helping to support first-time homebuyers, build businesses, create jobs and redevelop historic buildings in your local neighborhoods.
 
Business Builder Checking
Looking for an account that is just the right fit for your business?  Consider this basic business account - no transaction fees on your first 250 transactions and standard business online banking access at no charge.

•    $100 minimum opening deposit
•    $8 monthly service fee if daily minimum balance drops below $2,000
•    First 250 transactions (debits/credits) free; then $0.50 each
•    Non-interest bearing
•    No fee for standard online banking access
 
Business Builder Interest Checking
This account is designed for sole proprietors and qualifying non-profits who won't have a lot of transaction activity but want the benefit of earning interest on their balances.  

•    $100 minimum opening deposit
•    $10 monthly service fee if daily minimum balance drops below $2,500. Monthly fee is waived for qualifying nonprofit
      organizations.
•    First 250 transactions (debits/credits) free; then $0.50 each
•    Interest earned is compounded daily and credited to account monthly
•    No fee for standard online banking access

Business Builder Analyzed Checking
If you typically have a lot of transaction activity on your account, keep high balances and use a variety of other account services, our Analyzed Checking is the right product for you.  You'll receive earnings credit on your net collected balances and can use that credit to offset account activity charges.

•    $100 minimum opening deposit
•    $10 monthly service fee
•    Deposits/credits posted at $.20 each; checks/debits posted at $.15 each
•    Deposited items on-us at $.08 each; 12th RCPC and other at $.12 each
•    Cash deposited or purchased at $.10 per $100; coin rolls deposited or purchased at $.10 per roll
•    Earnings credit received on net collected balances used to offset account activity charges
•    Balances can also be used to offset fees for additional services, e.g., wire transfers, stop payment, etc.
•    Non-interest bearing

Business Money Market
If you anticipate limited transaction activity on your account and want to earn a higher rate of interest on the balances you keep, our Business Money Market account is right for you.  The more you keep in the account, the greater the interest you earn.

•    $100 minimum opening deposit
•    $10 monthly service fee if daily minimum balance drops below $2,500
•    $10 for each restricted transfer over 6 per month
•    Tiered rates of interest based on balance in account
•    Interest is compounded daily; credited to account monthly
•    ATM card options; no foreign ATM fees; no surcharge at MoneyPass® ATM machines
•    No fee for standard online banking access

Business Money Market Plus
If you consistently keep balances of $100,000 or more and have limited transaction activity, this account is just the ticket.  You'll earn market rates of interest on your deposits - the more you keep in the account, the more interest you'll earn.

•    $100 minimum opening deposit
•    $25 monthly service fee if daily minimum balance drops below $100,000
•    $10 for each restricted transfer over 6 per month
•    Tiered rates of interest based on balance in account
•    Balances below $100,000 earn interest at lowest tier of Business Money Market account
•    Interest is compounded daily; credited to account monthly
•    ATM card options; no foreign ATM fees; no surcharge at MoneyPass® ATM machines
•    No fee for standard online banking access

Certificates of Deposit
If you don't need the liquidity of a money market or statement savings account and still want to earn a high rate of interest - we offer a variety of terms to meet your needs.

•    Terms from 3 months to 5 years
•    ACB 6 and 12 month terms allow add-on deposits
•    Earn higher rates for longer terms
•    Interest paid on average daily collected balances; compounded monthly and paid at maturity or monthly, depending
     on term
•    Early withdrawal penalties may apply
•    Interest may be withdrawn without penalty

CDARS®  (Certificate of Deposit Account Registry Service)
A viable alternative for those customers who want the ease and benefits of keeping all their funds in one place while still maintaining full FDIC insurance on those funds.

•    FDIC insurance coverage on deposits up to $50,000,000
•    Single consolidated statement
•    Rates competitive with other high quality, fixed income investments
•    Terms of 4, 13, 26 or 52 weeks, and 2 and 3 year investments
•    No direct fees to customer

Other Business Products and Services
•    Business Online Banking / Cash Management Services
•    Wire Transfer Services
•    Online Bill Payment Services
•    Merchant Credit Card Services
•    Business Payroll Services through GNSA
•    Quick Click Deposit (Remote Deposit Capture)
•    Deposit Courier Services (we'll happily pick up non-cash deposits at your business)
•    Night Depository Services
•    24/7 Automated Customer Service
•    Free Cash Withdrawals at thousands of MoneyPass® ATMs with no foreign ATM fees
•    Overdraft Protection Products
•    Workplace Banking (a package of products and services for your employees)

 Print a complete list of our Business Banking Products and Services
 

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