Commercial & Enterprise Solutions

Powering Your Growth & Cash Flow

Scale your enterprise with high-performance business checking, commercial yield up to 4.95% APY, global wire settlement, automated payroll integrations, and dedicated credit lines.

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FEDERAL WESTERN

COMMERCIAL CORPORATE ELITE

5412 •••• •••• 8840

Company / Holder

VANCE GLOBAL ENTERPRISES LLC

Expires

11/29

4.95% APY

Treasury Money Market

Free Wires

Domestic & Foreign ACH

Solutions For Every Stage

Business Banking Products

Tailored financial tools created to streamline operations, maximize idle operating capital, and support rapid scale.

Commercial Checking

High-volume business checking with zero transaction limits, seamless multi-user permission controls, and automated accounting sync.

$0 fee with $5,000 min balance
Free metal physical & virtual corporate cards
QuickBooks, Xero & Gusto integrations

Open Commercial Checking

Enterprise Favorite

Treasury Market (4.95% APY)

Maximize cash yield with automatic daily liquidity sweeps, high-yield business savings, and overnight treasury management.

Earn competitive 4.95% APY on reserve capital
Unlimited incoming wires & instant internal sweeps
FDIC insured coverage options up to $25M

Start Earning 4.95%

Merchant & Credit Lines

Accept payments anywhere with next-day settlement, low processing rates, and flexible revolving business lines of credit up to $5M.

Next-day credit card processing payouts
Flexible business lines of credit & equipment loans
Dedicated Commercial Relationship Manager

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Capital Optimization

Calculate Your Operating Interest Yield

Don't let idle enterprise reserves sit passive. Estimate how much annual interest income your working capital earns with Federal Western's 4.95% Treasury Rate.

Automated Sweep Intelligence

Automatically move excess daily operational cash into high-yield treasury reserves.

Corporate Treasury Calculator

Initial Reserve Deposit ($) $50,000

Monthly Surplus Cash Added ($) $2,500

Investment Horizon (Years) 3 Years

Estimated Business Balance at 4.95% APY

$152,890

Open Corporate Account

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Find the Right Structure for Your Company

Side-by-side comparison of our enterprise commercial banking solutions.

Features	Small Business Checking	Treasury Money Market	Enterprise Corporate
Yield / APY	0.25% APY	4.95% APY	Custom Sweep Yield Rates
Monthly Maintenance Fee	$0 (with $1.5k min deposit)	$0 Always	$0 Waived for $50k+ balance
Free Wire Transfers	5 Included / Mo	Unlimited Domestic Wires	Unlimited Global Wires
Employee Card Sub-Accounts	Up to 5 Cards	N/A	Unlimited with Spend Caps
Dedicated Commercial Advisor	No	Treasury Specialist	Dedicated Senior Officer
Corporate Card Cashback	1.5% Unlimited Cash Back	N/A	2.5% Cash Back on Operating Spend

Enterprise Digital Platform

Complete Control Over Corporate Cash Flow & Payroll

Manage company accounts, initiate batch wires, issue employee debit cards with custom limits, and automate dual-approval security standard for modern finance teams.

Role-Based Access

Assign customized manager, accountant, or auditor rights.

Dual Wire Approvals

Enforce multi-level security authorizations for large transfers.

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Frequently Asked Questions

Business Banking FAQs

What documentation is required to open a business account?

You will need your Business Employer Identification Number (EIN) or SSN (for sole proprietorships), Articles of Organization/Incorporation, Operating Agreement, and government IDs for all owners with 25%+ equity.

How does TRUSTCO ONLINE BANK protect corporate funds above $250,000?

Through our IntraFi / Insured Cash Sweep network, we can distribute multi-million dollar deposits across a network of FDIC-insured banks while keeping your account unified under TRUSTCO ONLINE BANK, providing up to $25 Million in full FDIC protection.

Can I integrate TRUSTCO ONLINE BANK with QuickBooks or Xero?

Yes! We provide direct API integration and automated feed reconciliation for QuickBooks Online, QuickBooks Desktop, Xero, Gusto, and major ERP suites.