Service, value, and convenience for your business

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1 Service, value, and convenience for your business

2 Alaska USA for your business. It makes great business sense! To learn more about Business Checking Visit any branch Go to alaskausa.org Call (800) At Alaska USA, you re not just a customer, you re a member and an owner. As a not-for-profit financial services cooperative, Alaska USA has one mission to serve its individual and business members. That means your business gets excellent service, real value, and the convenience you deserve! Take a look and you ll find that Alaska USA has everything your business needs, all in one place, making it the ideal choice as your single-source financial services provider. 2 Alaska USA Business & Commercial Services

3 Start with the basics checking made better. Checking plus dividends! With $1,000 or more on deposit, your account will earn monthly dividends. And the more you have in your account, the higher the dividend you will receive. Low fees. Pay less in account fees, and put the money where it matters back into your business. Low monthly maintenance fee. Low checking activity fees the first 100 checks are free. Low deposit adjustment, returned item, and cash service fees. Open an insured investment account and watch your money grow. Certificate accounts earn guaranteed dividends on your funds easily and conveniently. Money market accounts tiered dividend rates in Super and Jumbo accounts allow for optimum earning potential. Maximize your flexibility with a free Alaska USA Business Visa Check Card. Purchases and transactions are simple. Make online purchases. Transfer funds to and from your checking account at any ATM. Use it for business trips. Keep track of your purchases with online transaction details. Your employees can have cards, too. Any employee who is an authorized signer on the account can get a check card. Minimize your fees! Alaska USA does not charge any fees when you use your card for a purchase. It s surcharge-free when you use your card at any Alaska USA ATM. To apply for the Alaska USA Business Visa Check Card Visit any branch Download an application at alaskausa.org Mail in the application or drop it off at any branch Alaska USA Business & Commercial Services 3

4 UltraBranch Business Edition Financial management just got easier. With UltraBranch Business Edition, you choose the tools you need to manage all aspects of your business finances online. Payroll processing with ACH Streamline your payroll by scheduling direct deposits for employee paychecks. Wires Make electronic transfers to other U.S. financial institutions over the Fedwire system. Entitlements Customize access and share the workload. You can authorize access for other users, like a payroll processor or bookkeeper, and allow them varying levels of access. Tax payments using ACH Access forms you need to make online payments to the IRS. Manage withholdings, schedule payments, and view reports. Consolidated login Access multiple accounts with one easy login. Bill Pay Schedule and pay bills from anywhere. More Check balances, download checks at the end of each month and keep track of cancelled ones as they clear, reorder business checks, and transfer funds. It s easy to get started. When you sign up for UltraBranch Business Edition, you ll receive a Personal Access Code (PAC), a Getting Started Guide, and be on your way. Sign up for Bill Pay UltraBranch Business Edition offers businesses the flexible and convenient option of paying bills online. Checks can be prepared by a designated user, but they aren t sent without the proper authorization. Resources The Getting Started Guide is a great resource for UltraBranch Business Edition. In-depth help is available online, or you can call the Member Service Center. To sign up for, or learn more about, UltraBranch Business Edition Visit any branch Go to alaskausa.org Call (800) Alaska USA Business & Commercial Services

5 Benefits for everyone A business account benefits you, your employees, and your customers! Retain employees. Give additional benefits. It s easy. Working Benefits is a package of exclusive discounts available to your employees when you process your payroll through UltraBranch Business Edition. When your employees have direct deposit into an Alaska USA checking account, they can take advantage of all the benefits of an Alaska USA checking account and... no annual fee on a Visa Platinum Credit Card, when the cardholder has an Alaska USA account, great rates on consumer and mortgage loans, optional free coverage for accidental death and dismemberment ($2,000) and life insurance ($1,000), and more! To learn more about Working Benefits and credit card processing Go to alaskausa.org Call (800) Give your customers more payment options by accepting Visa, MasterCard, American Express, Discover, and Alaska Option cards. No need to sign up. As long as your business meets the requirements, your eligible employees will receive these benefits automatically. Make your business more competitive with convenient credit card processing. Convenient credit card processing is a big part of customer service. It needs to be reliable, accurate, and secure. Alaska USA will help you obtain credit and debit card processing services through Cornerstone Credit Services. Cornerstone provides installation, training, 24-hour telephone support, and quick turnarounds on replacement equipment. Alaska USA Business & Commercial Services 5

6 Business financing Whether it s a loan, line of credit, or letter of credit, Alaska USA has options to finance your business needs. Type of financing Used for Secured by Unsecured available Amount of financing available Business Loan Real estate, inventory and equipment, working capital needs savings/certificates Yes $2,500 to $250,000 Business Line of Credit Short-term working capital needs savings/certificates Yes $2,500 to $250,000 Commercial Loan Real estate, inventory and equipment, working capital needs or savings/certificates No Over $250,000 Commercial Line of Credit Short-term working capital needs savings/certificates No Over $250,000 Letter of Credit Guarantee vendor that vendor will get paid savings/certificates No Over $2,500 SBA Loan Real estate, inventory and equipment, working capital needs savings/certificates Yes $25,000 to $2,000,000 USDA Loan Real estate, inventory and equipment savings/certificates No $5,000 to $10 million The lending process. Whether you are applying for a commercial short-term loan, an equipment loan, real estate financing, or some other type of business loan, many of the same basic lending principles apply. The following information will be taken into account as Alaska USA matches your business with the right type of financing: Credit history of the borrower. Cash flow history and projections for the business. Collateral that is available to secure the loan. Credit application that includes business and personal financial statements. Income tax returns and a business plan. 6 Alaska USA Business & Commercial Services

7 Line of Credit. A line of credit allows you to draw as much money as you need up to your credit limit instantly! To learn more about, or apply for, a business loan Visit any branch Go to alaskausa.org and download an application Call (760) or (888) Give yourself peace of mind; use your line of credit for overdraft protection. Letter of Credit. A letter of credit from Alaska USA offers protection. The vendor is paid only when the specific terms and conditions stipulated in the letter are fulfilled. You don t need to provide up cash up front. It allows you to negotiate for better terms and prices. Easy payment options Use your Alaska USA account to conveniently make your loan payment with Autopay. Rates and fees Alaska USA offers competitive rates, which vary depending on the type of financing. Fees may include commitment fees, annual fees, late charges, overdraft protection advances, and third-party fees. Alaska USA Business & Commercial Services 7

8 Professional expertise from Alaska USA Trust Company. Alaska s trust laws are among the most progressive in the U.S., providing a number of unique estate planning and tax savings benefits not available in most other states. Through different types of trusts, you can prepare for retirement, minimize taxes, and obtain asset protection under Alaska law. Alaska USA Trust Company has the experience and ability to help both residents and non-residents of Alaska take advantage of Alaska s unique benefits. Trust services for today and tomorrow. As your trustee, Alaska USA Trust Company will manage and administer your trust, giving it professional and personal attention. Alaska USA Trust Company fiduciary services include: Full trustee services include all investment and distribution responsibilities, as well as accounting and other required trustee duties. Independent trustee services include responsibility for all discretionary distributions, but not investments. Administrative trustee services can include custody of assets in Alaska and other duties, but may be limited to minimum requirements for a trust to qualify as an Alaska Trust, which can provide favorable protections for individuals, families, and family-owned entities. Other fiduciary services such as serving as a conservator or as the personal representative of a probate estate, are also available. Customized investment management services no commissioned staff and no transaction fees! Alaska USA Trust Company provides a full range of portfolio services that can diversify and grow your investment customized for your needs and level of risk. To learn more about managed investments and trust services Go to alaskausatrust.com Call (888) Alaska USA Trust Company products are not federally insured and are not obligations of, or guaranteed by, Alaska USA Federal Credit Union or any other affiliated entity. These products involve investment risks that include possible loss of principal. 8 Alaska USA Business & Commercial Services

9 Alaska USA Business & Commercial Services 9

10 Frequently asked questions Q: Is it easy to become a member of Alaska USA? A: Yes, it is easy. Alaska USA serves thousands of member businesses. Currently, most businesses located in San Bernardino County, California can take advantage of a full array of services including business checking, lending, and depository services. Q: What types of fees are there on an Alaska USA business checking account? A: Types of fees include monthly maintenance fees, check activity fees, and cash and currency fees. The fees on an Alaska USA business checking account are generally lower than banks with similar types of fees. For more details on the fees, please visit alaskausa.org or call (800) Q: How do I reorder checks for my business? A: The initial order can be done in any branch. To reorder, depending on the type of check, it can be done online or at any branch. Q: Is overdraft protection available on a business checking account? A: Yes, you may set up overdraft protection from an Alaska USA savings or money market account, or a business line of credit. Q: What are the rates on business loans? A: Alaska USA offers very competitive business loan rates, as well as minimal fees. For current rates, visit alaskausa.org or call (760) , (888) toll free. Alaska USA takes several factors into consideration (i.e., cash flow, collateral, and credit history) when pricing each business loan. Q: Does Alaska USA have a special account for nonprofits? A: No. But nonprofit organizations, corporations and associations using an Alaska USA business checking account that have the IRS exempt status under 501(c) of the Internal Revenue Code will automatically have the $5 monthly maintenance fee waived, even if the account balance falls below $1,000 in a calendar month. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 10 Alaska USA Business & Commercial Services

11 Contact information Alaska USA Member Service Center Business & Commercial Services Branch locations (800) (800) TTY/Hearing Impaired 7 a.m p.m., 7 days a week (760) (888) alaskausa.org (800) Alaska USA Business & Commercial Services 11

12 12 Alaska USA Business & Commercial Services AKUSA B R 10/12 - CA

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