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Other Services

For qualifying customer accounts we also offer these banking solutions:

  • Automated Repo Sweeps
  • Commercial Account Analysis

Automated Repo Sweep

A Sweep Account is suitable for high dollar corporate customers who agree to maintain a set target balance defined in a Corporate Sweep Agreement. The Sweep Agreement also governs the amount automatically swept daily into an interest bearing Repurchase Agreement (Repo) account. When the balance in the checking account falls below the target balance, funds are swept back to replenish the target balance.

  • Minimum opening balance is set in Sweep Agreement
  • Target Balance is set in the Sweep Agreement in consideration for earning interest on higher balances.
  • Retail Repurchase Agreements (“Repos”) are short-term debt obligations of the Bank. The Bank pledges U.S. Securities as collateral to secure its obligation to pay the amount due under any Repo. First Bethany confirms in writing the specific securities that are the collateral for each Repo.1
  • Repurchase Yield Calculation – Principal times rate, less service charge, equals net interest earned.

Monthly statement reflects the account earnings and service fee.
1Repos are the secured obligations of the Bank. Any amounts placed in Repos under this agreement are not deposits of the bank and are not insured by the FDIC and are subject to investment risks, including possible loss of the principal invested.

 

Commercial Account Analysis

Commercial Analysis is suitable for qualified accounts of established businesses with higher levels of checking activity and/or those with a need for multiple business services. An earnings credit is applied to combined average collected investable balances that can offset service charges for checking activity during the analysis period.

  • Qualified Accounts – include primarily transaction accounts which can be interest bearing accounts, but not term accounts such as CDs.
  • Earnings Credit – based on the bank’s interest rate index that may change at any time.
  • Investable Balance – calculated using the average ledger balance, less uncollected funds, less a 10% reserve requirement.
  • Service Charge – the cost of the monthly transaction fees in addition to fees for any other business services, such as wire, stop payment, coin counting, treasury services, etc. offset against the monthly earnings credit.
  • Analysis Period – the calendar month for which fees were assessed.

 

First Bethany Bank & Trust Visa Signature® Business Rewards credit card1

Now as a business owner, you want to earn rewards every month and not be concerned about what categories your credit cards points come from.

Every dollar you save is a dollar that falls to your bottom line. With the new Visa Signature® Business Rewards credit card1 you will earn two times points for the top two spend categories each month. That is a smart business move.

Rewards2

  • Earn 2X Points per dollar on purchases in the top two merchant categories each month and 1 Point per dollar on purchases everywhere else Visa is accepted.2
  • No limits…No offers to activate…No categories to remember
  • Online reward redemption available 24/7, 365 days a year.

The Visa Signature Business Rewards credit card1 puts you in the driver’s seat of your rewards. Each business has changes in their expenses and needs. Don’t be locked into only a couple specific categories of your current credit card. Let it change with your needs.

Introductory Offers

Let’s keep the good news rolling with this card, you’ll earn additional rewards with this Introductory Offer.

Introductory Purchase APR of 0% for the first 9 months.3

Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Rewards Points.4

OTHER BENEFITS

  • Equipped to handle all your mobile wallets!
  • No Annual Fee
  • Competitive Purchase APR
  • Consolidated and Individual Card Billing Options
  • Fraud Protection and Individual Card Limits

Contactless Card

Look, tap, and go with your  Visa Signature® Business Rewards contactless credit card

Mobile wallets

This card is equipped to handle all your mobile wallets.

Begin your application here: Download PDF

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.
1Subject to credit approval. Rates and fees subject to change.
2 The Program Member’s Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. We will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. Certain conditions, restrictions, and exclusions apply. See the Visa Signature Business Rewards Program Rules for complete details about the rewards program.
3 APR for Purchases: 0.00% introductory APR for nine months. After that, your Purchase APR will be 19.24% (quote based on the Prime Rate in effect as of June 1, 2024).
4 Within 90 days of opening your new Visa Signature Business credit card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive 20,000 bonus points. Bonus point eligibility will be determined by combining Sub Account Net Purchases to the Program Member’s Control Account, or by an individual Cardholder’s Net Purchases if the individual Cardholder receives a bill. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. The following transactions are excluded from “Purchases” and do not earn rewards points: cash advances, returns, finance charges and credit card interest or fees.