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The Bank of Clark County considers business banking our primary business. We evaluate each business situation to develop tailored solutions to the financial challenges of each of our clients. We customize solutions based upon decades of lending experience and acceptable risks for our bank. We pride ourselves on quick responses, and very competitive terms. All decisions are made locally, by people you can talk to.
Business Checking Accounts Business Lending Electronic Banking Other Services Real Estate Lending Current Rates Business Deposit Accounts Back to top More choices give you more control over your bottom line. Whether you have one account or several, your checking account is often the daily barometer to help keep track of and manage your cash flow. And when you have excess balances, your checking account should offer a way to help those balances grow. That's why we offer several choices of accounts from a very basic account to more aggressive accounts that offer returns on your excess cash. Our choices put you in control, so you can match your banking style to your business style. We offer ways to let your money earn market rates of interest while remaining available to you for future growth opportunities. Business Checking Accounts Premium Value Checking Bank of Clark County's Premium Value Checking keeps up with the complex nature of your business. It gives you access to a wealth of cash management services, plus other services that help you manage all aspects of your business. An Earnings Credit Rate set by the bank is applied on the Average Collected Balance less reserve requirements. Monthly fees for many banking services can be reduced or eliminated by maintaining balances in this account. This provides increased value to your banking relationship at BOCC. Convenience Business Checking Convenience Business Checking is a flexible account offering services and convenience for businesses that generate a moderate amount of checking activity. Businesses can write up to 50 checks per month and the monthly service fee is waived if a minimum balance of $2,500 is maintained. An interest-bearing version of Convenience Business Checking is available exclusively for sole proprietors, non-profit organizations and governments. Contact your BOCC banker for current rate information at (360) 993-2265. Courtesy Checking This account is programmed for a small number of monthly transactions, ideal for special purpose funds, short-term ventures and for many "not for profit" organizations. The monthly service fee is waived if a minimum balance of $750 is maintained. Business Savings Accounts At the Bank of Clark County we are committed to helping you get the most from your money. We have a range of alternatives that will meet your needs for liquidity, maximizing yields and minimizing paperwork and restrictions. BOCC Money Market Account This high yield account maximizes your return while still making your funds available on a daily basis. No fees for a minimum account balance of $1,000 and the higher the balance the higher the yield. If you also maintain a checking account at the Bank of Clark County, the rate on balances of $50,000 or more is among the highest returns available in Clark County. Available for both businesses and individuals. Ultimate Savings and Investment Account Great account for a variety of savings and investment needs. Interest rates are tiered, the higher the balance the higher the yield. Monthly service fees are waived if a balance of $100 or more is maintained. In addition this account can be linked to a checking account for overdraft protection. Telephone transfers or teller window transactions are unlimited. Certificates of Deposit Our highest returns are available on CDs-you specify the investment instrument that best meets your needs. Bank of Clark County offers several interest rate tiers, and maturity dates ranging from days to years. The longer you go, the higher the yield. The more you invest, the more you earn. (Early withdrawal penalties may apply.) And now you have a CD option that earns interest and a tax deduction while helping veterans and their families. Bank of Clark County is honored to introduce the innovative Veterans Family Fund Certificate of Deposit. Investment Options If you're looking for ways to make your money work harder, look to BOCC for savings options that fit your business' needs. Contact Bank of Clark County for complete details. Business Lending Back to top 
Every business is unique: capital requirements and business models vary tremendously from one industry to another. It takes a special lender to understand the importance of your business expertise and vision. The Bank of Clark County offers customized commercial loan products to meet the needs of your individual business and is here to support your vision with the widest possible range of financing options. Our loan officers are specially trained to work with any size business, providing the personalized service we are known for.
We use a variety of types of credit to address the needs of our clients. Here are some examples. Lines of Credit A line of credit gives you a flexible source of cash for your core business operations. It can provide your business with operating funds; help you take advantage of supplier discounts in addition to managing your cash flow. You can secure the funds you need when you need them and only pay interest on your outstanding loan balance. Once you repay the funds you've borrowed, that money becomes available for you to borrow again. Our lines of credit can be secured or unsecured in accordance with your financing needs. Term Loans The Bank of Clark County has business term loans that can be customized to fit your needs. We offer competitively priced interest rates on loans for a specific length of time with a fixed principal repayment amount. Our Commercial Lending Officers will be happy to review your current loan program to show you how we can serve you better. SBA Loans In today's marketplace small business owners are finding it harder to obtain long term financing. Few business owners are aware of the benefits of borrowing through the SBA guarantee program, in part due to the many misconceptions that exist regarding this type of financing. In reality, the SBA is behind the success of many prosperous small businesses that have benefited from favorable terms that otherwise may not have been available to them. For more information regarding specific Bank of Clark County lending services contact us. Seasonal Lines or Loans Seasonal loans are available to assist in funding inventory or accounts receivable during peak periods in your business' operating cycle. These accommodations have high and low borrowing points, with pay out of borrowings at the low point of your operating cycle. Bridge Loans These short term Real Estate loan services are available to assist your business in bridging a gap until a specific event occurs which will repay your loan. Interest is payable monthly or quarterly, with repayment in full at maturity. Real Estate Loans Click here to find out more about our Real Estate loan services. Letters of Credit, Commercial, Standby, Domestic or Foreign A Letter of Credit is a document issued by a bank, which guarantees payment to facilitate the import or export of goods. A Letter of Credit allows you to reduce the risk of purchaser non-payment. We offer the following services:
Electronic Banking Services Back to top 
"..is not a substitute for personal service, it's just one of the many ways we make service to you personal."Mike Worthy Chief Executive Officer At the Bank of Clark County, we understand you can never replace a good banking relationship with technology. But you can enhance your relationship with service to make it even better. Our electronic banking tools are designed to make banking easier and less time consuming so you can focus on running your business. Internet Cash Management With Internet Cash Management, Bank of Clark County is able to offer business customers rich features and functionality. Business clients armed only with an Internet browser can securely access all business account information, pay bills and make transfers to and from their accounts not only at the Bank of Clark County, but also to and from other institutions. Business clients can view account information, forecast account balances, initiate wire transfers and input stop payments. Importantly, customer system managers can restrict specific employees access to specified functions, reports, and accounts, as well as create special profiles to share confidential information with employees who have privileged access. Features of the System
Bank-On-ItŪ Transact Transact is a user-friendly, PC-based ACH origination service for small and medium-sized business customers. With Transact, customers can originate direct deposit of payroll, funds transfer, State and Federal tax payments, bill collection, and more. Transact automates the ACH origination process for business customers. Its easy-to-use spreadsheet format and flexible importing capabilities make it simple for customers to originate ACH transactions. Drop-down menus, time-saving tables, and intuitive screens give customers one of the most user-friendly solutions on the market - without sacrificing functionality. Features
Image Statements Your checks are digitally stored on optical disk media for long-term storage and retrieval. When your statement is produced, we pull your digital checks from our system and print them using a laser printer. The sorted check images are included with the statement so you can review your checks at a glance. Benefits to you: 1. Your statement is easier to store. Your statement and images are delivered to you on three-hole punch paper for easy filing into a three ring binder. 2. Your statement is mailed to you sooner because it takes us less time to prepare your statement. 3. Need to see a check? BOCC can display a check at our headquarters in seconds. Before check imaging it could take several hours to locate a check. 4. Your checks are now available via our online banking website. Display your processed checks right on your PC! 5. Your checks are printed in numerical order to make it easy for you to find a check. Image on CD For small and large companies alike, archiving cancelled checks can be a daunting task. BOCC will take your cancelled checks from your BOCC account and create images of both the front and back. These images are then sorted and written to CD-ROM for easy retrieval and storage. Clients are given two disk sets, one for office use and one for offsite storage, safe from any potential disaster. Up to 30,000 checks can be stored on a single disk. Telephone "Voice Access" Banking Services A wide variety of transactional and information services are available through our "Voice Access" telephone response system. You can check your balance, inquire about specific checks or deposits and/or transfer funds between your accounts. We always welcome "voice to voice" inquires over the telephone but if you prefer automated access you've got it at the Bank of Clark County. Credit Card Processing We provide clearing services for credit card transactions at competitive discount rates. Wire Transfers All wire transfer requests are locally processed at BOCC Headquarters. We use the Federal Reserve, and Federal Home Loan Bank to facilitate wire transfer requests for our clients. Other Services Back to top Courier Services The bank provides a bonded courier service that will pick up your deposits and / or deliver other bank transactions, as your business requires. If your business has a need for large volumes of currency and coin, we can make special arrangements to meet those needs. Safe Deposit Boxes We provide Safe Deposit Boxes in a variety of sizes at the Bank's headquarters location at 15th and Washington Streets in Downtown Vancouver. Night Depository Services A night depository is available at our headquarters location at 15th and Washington Streets in Downtown Vancouver. ATM Access You are connected to one of the largest networks of Automated Teller Machines (ATMs) with a Bank of Clark County standard ATM or ATM/Visa Debit Card. Just look for the Star, Exchange\Accel or Plus symbols at any ATM in the U.S. or abroad and pay NO FEES. If an ATM discloses a fee before you complete your transaction with your Bank of Clark County ATM card or ATM/Visa Debit Card, simply accept the surcharge fee and we will reimburse you for the ATM fee charge on the same day the transaction posts to your account. Or, click here to find No Fee ATM locations in Clark County. |
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