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
  • $11 monthly service fee waived with eStatements or $13 monthly service fee with paper statements
  • Monthly service fee waived if daily minimum balance of $3,000 is maintained OR a monthly combined average balance of $10,000 is maintained (must be same ownership and checking, savings, or Money Market account)
  • First 250 transactions (debits/credits/deposited items) free; then $0.50 each
  • Non-interest bearing
  • No fee for standard online banking access
  • VisaTM Debit Card with no monthly fee
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
  • $13 monthly service fee with eStatements or $15 monthly service fee with paper statements. The monthly fee is waived for qualifying nonprofit organizations.
  • Monthly service fee waived if daily minimum balance of $5,000 is maintained in the account OR a monthly combined average balance of $15,000 is maintained (must be same ownership and checking, savings, or Money Market account)
  • First 250 transactions (debits/credits/deposited items) free; then $0.50 each
  • No fee for standard online banking access
  • Earns interest based on account balance
  • VisaTM Debit Card with no monthly fee 
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
  • $13 monthly service fee
  • No charge for eStatements and notices
  • $3 additional monthly charge for paper statements
  • Deposits/credits posted at $.30 each; checks/debits posted at $.15 each
  • Deposited items on-us at $.18 each; 12th RCPC and other at $.14 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, i.e., wire transfer, stop payment, etc.
  • Non-interest bearing
  • No fee for standard online banking access
  • VisaTM Debit Card with no monthly fee  
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
  •     $13 monthly service fee with eStatements or $15 monthly service fee with paper statements
  •     Monthly service fee waived if daily minimum balance of $3,000 is maintained
  •     $10 for each restricted transfer over 6 per statement cycle
  •     No fee for standard online banking access
  •     Earns interest based on account balance
  •     VisaTM Debit Card with no monthly fee 
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
  •     $26 monthly service fee with eStatements or $28 monthly service fee with paper statements
  •     Monthly service fee waived if daily minimum balance of $100,000 is maintained in the account
  •     $10 for each restricted transfer over 6 per statement cycle
  •     No fee for standard online banking access
  •     Earns interest based on account balance
  •     VisaTM Debit Card with no monthly fee 
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
  • 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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