CAP COM Financial Services* As a business owner, you’re the expert in the product or service your firm is offering. As experienced financial professionals, we can help you manage other critical areas such as financial risks, planning and investment options. CAP COM Investment Services* Retirement Plan Set Up & Management On-site Financial Planning Workshops Estate and Succession Planning Investment Management CAP COM Financial Services* (LPL Financial registered office) 4 Century Hill Drive • Latham, NY 12110 Tax Planning and Return Preparation** Risk Management** Life, Disability, Medical/Dental Insurance Long-term Care Insurance Benefit Enrollment Meetings Buy-Sell Agreements Business Income Replacement Key Person Insurance capcomfinancial.com (518) 782-0209
*CAP COM Financial Services - Securities and annuities products offered through LPL Financial and its affiliates, Member FINRA/SIPC, a Registered Investment Advisor. CAP COM Financial Services is a division of Capital Communications Federal Credit Union. CAP COM Financial Services and Capital Communications Federal Credit Union are not registered broker dealers and are not affiliated with LPL Financial. Financial planning and insurance services offered through CAP COM Financial Services, LLC a Registered Investment Advisor. **These services are not offered through LPL Financial and its affiliates. Not NCUA Insured May Lose Value No Credit Union Guarantee
Small Business Services Phone Numbers & Web site CCFCU Phone (518) 458-2195 CCFCU Toll Free (800) 468-5500 CCFCU Fax (518) 458-2261 Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 Bill Payment Support (800) 468-5500 capcomfcu.org Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205
Albany • Clifton Park • Cohoes Colonie • Glenmont • Latham Niskayuna • North Greenbush Coming soon to Brunswick! 10 01-003 REV 4/5/10 3,000
Comprehensive banking for small business
Welcome to Business Essentials Owning a business of any size is challenging. We can help your business goals become reality. Capital Communications Federal Credit Union is pleased to offer Business Essentials (BE), a line of Commercial Accounts that offers competitive interest-bearing deposit services and loan programs that meet all your business needs. Why should I bring my account here? Because we offer you: • Competitive rates and programs
Business Essentials Interest-Bearing Checking Accounts We offer a variety of Business Essential Checking products to meet your business needs. With a Checking Account, you will receive a VISA® Debit Card with CU Reward Points, wire access capabilities, ACH, check images, an electronic or paper statement, Internet banking, audio access 24/7 and online Bill Payment
Organizational Checking – Designed for not-forprofit organizations/associations. Minimum average daily balance to earn dividends
$0 in Checking Account
Monthly fee below minimum average daily balance
$0
Number of Free items Per Month*
unlimited
Fee if item limit is exceeded*
$0
Rate
Refer to most current rate sheet. $0 minimum average daily balance to earn dividends
BusinessEase – Ideal for the small business that needs basic checking.
IOLA Checking – Specifically for lawyers to deposit and maintain escrow funds.
$100 in Checking Account
• Over 50 years of financial services experience
Minimum average daily balance to earn dividends
• Streamlined application process
Monthly fee below minimum average daily balance
$0
Minimum average daily balance to earn dividends
$0 in Checking Account
• Convenient locations
Number of Free items Per Month*
100 items
$0
• Local headquarters
Fee if item limit is exceeded*
.25 per item in excess of 100 items
Monthly fee below minimum average daily balance
Rate
Refer to most current rate sheet. $100 minimum average daily balance to earn dividends
Number of Free items Per Month*
unlimited
Fee if item limit is exceeded*
$0
Rate
Refer to the BusinessEase rate on the most current rate sheet. $0 minimum average daily balance to earn dividends
• Excellent service, dedicated and knowledgeable employees • Partnerships in the communities we serve through the Capital Communications Cares Foundation. The Foundation provides financial support of education endeavors, community enrichment and children’s causes. Business Essentials Cash Management & Saving Products We offer a variety of savings vehicles (Savings Account, Money Market, Certificates and Club Accounts) that let you maximize the interestearning capabilities of your commercial account balances. Business Essential Loan Products When it comes to financing your business needs, it helps to have options. We’re here to help with an array of lending choices and professional guidance. Loan products include Checking Linesof-Credit, Credit Cards, Vehicle Loans, Specialized Vehicle/Equipment Loans and Commercial Mortgages.
BusinessEdge – Well suited for the small-and medium-sized businesses that maintain higher balances. Minimum average daily balance to earn dividends and pay no fee
$2,500 in Checking Account
Monthly fee below minimum average daily balance
$10
Number of Free items Per Month*
200 items
Fee if item limit is exceeded
.25 per item in excess of 200 items
Rate
Refer to most current rate sheet. $2,500 minimum average daily balance to earn dividends
BusinessElite – Just right for businesses with high volume transactions that maintain higher aggregate balances. Minimum average daily balance to earn dividends and pay no fee
$7,500 in Checking Account.
Monthly fee below minimum average daily balance
$20
Number of Free items Per Month*
500 items
Fee if item limit is exceeded
.25 per item in excess of 500 items
Rate
Refer to most current rate sheet. $7,500 minimum average daily balance to earn dividends
Business Essentials Merchant Services Take your business to the next level! Say “yes” to credit and debit card processing. We will work with you to set up with the merchant solution that suits your needs. Add your merchant bank card processing to the service you can count on. Business VISA® Credit Card Our Classic Business VISA® puts you in control, allowing you to view charges by authorized users online the day after they occur. Earn CU Reward Points on every dollar you spend and redeem them for merchandise online. Choose a credit card from a financial institution you trust that has competitive rates and no annual fee. Other Services: Night deposits and coin and currency. *Items include checks paid, ACH paid, deposits made, and checks in each deposit. Cash included within a deposit constitutes one item regardless of the amount.
CAP COM Financial Services* As a business owner, you’re the expert in the product or service your firm is offering. As experienced financial professionals, we can help you manage other critical areas such as financial risks, planning and investment options. CAP COM Investment Services* Retirement Plan Set Up & Management On-site Financial Planning Workshops Estate and Succession Planning Investment Management CAP COM Financial Services* (LPL Financial registered office) 4 Century Hill Drive • Latham, NY 12110 Tax Planning and Return Preparation** Risk Management** Life, Disability, Medical/Dental Insurance Long-term Care Insurance Benefit Enrollment Meetings Buy-Sell Agreements Business Income Replacement Key Person Insurance capcomfinancial.com (518) 782-0209
*CAP COM Financial Services - Securities and annuities products offered through LPL Financial and its affiliates, Member FINRA/SIPC, a Registered Investment Advisor. CAP COM Financial Services is a division of Capital Communications Federal Credit Union. CAP COM Financial Services and Capital Communications Federal Credit Union are not registered broker dealers and are not affiliated with LPL Financial. Financial planning and insurance services offered through CAP COM Financial Services, LLC a Registered Investment Advisor. **These services are not offered through LPL Financial and its affiliates. Not NCUA Insured May Lose Value No Credit Union Guarantee
Small Business Services Phone Numbers & Web site CCFCU Phone (518) 458-2195 CCFCU Toll Free (800) 468-5500 CCFCU Fax (518) 458-2261 Touch-24 (518) 458-8986 Touch-24 Toll Free (800) 634-2340 Bill Payment Support (800) 468-5500 capcomfcu.org Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205
Albany • Clifton Park • Cohoes Colonie • Glenmont • Latham Niskayuna • North Greenbush Coming soon to Brunswick! 10 01-003 REV 4/5/10 3,000
Comprehensive banking for small business