Business Banking

Please review the account details to determine which features best fit your needs. Or visit our office and let us help you make the best decision for you!  

Basic Business Checking Account

A basic, no-frills business checking account designed for small to medium business and non-profit.  
 

 

Requirements Minimum to Open ~ $750
Benefits Images Returned With Statement
Monthly Maintenance Fee waived with daily balance $750 or More
First 20 Debits per Month ~ No Charge
Cost

Monthly Maintenance Fee with daily balance under $750 ~$12.00
Debit Charge after 20 Items per Month $0.25

 


Basic Business Checking Plus Interest 1,2

A basic, no-frills business checking account designed for sole proprietors and other entities eligible for interest-bearing checking accounts.  
 

 

Requirements Minimum To Open ~ $750
Minimum Daily Balance To Earn Interest ~ $1,000
Benefits

Images Returned With Statement ~ No Charge
Interest Compounded and Paid ~ Monthly

Monthly Maintenance  Fee waived With Daily Balance $2,000 Or More

Cost Monthly Maintenance Fee With Daily Balance Under $2,000 ~ $12
First 20 Debits Per Month ~ No Charge
Debit Charge After 20 Items Per Month $0.25

 


Money Market Account 1,2

A money market investment account for businesses with excess cash balances which wish to earn a higher yield while maintaining liquidity. Limited check writing capability.  
 

 

Requirements Minimum To Open ~ $1,000
Minimum Daily Balance To Earn Interest ~ $1,000
Benefits Monthly Maintenance Fee waived  With Daily Balance $1,000 Or More
Interest Compounded and Paid Monthly
Cost Monthly Maintenance Fee With Daily Balance under  $1,000 ~$10.00
Debit Charge After 3 Per Statement (Each) ~ $5
Maximum 3rd-Party Withdrawals Per Statement ~ 6

 


Main Money Account 1,2

A money market investment account for businesses with excess cash balances which wish to earn a higher yield while maintaining liquidity. Limited check writing capability.  
 

 

Requirements Minimum To Open ~ $2,500.
Minimum Daily Balance To Earn Interest $2.500.
~Tiered Rates Based on Balances~
Benefits

Monthly Maintenance Fee Waived with Daily Balance of $2,500 or more

Monthly Maintenance Fee With Daily Balance Under ~ $2,500. ~ $15
Interest Compounded and Paid ~ Monthly

Cost

Debit Charge After 3 Per Statement (Each) ~ $5
Maximum 3rd-Party Withdrawals Per Statement ~ 6

 


Business Checking with Account Analysis

Designed for businesses with high transaction volumes and average balances. Allows businesses to offset fees and monthly charges against an earnings credit.  
 

 

Requirements Minimum To Open ~ $1,000
Benefits Earnings Credit on 90% Of Average Daily Balance
Interest Rate: 90-Day T-Bill Rate
Monthly Maintenance Fee ~ $10
Items Returned with Statement ~ No Charge
Month-End Statement ~ No Charge
Monthly Analysis Statement ~ No Charge
Cost Debit Charge For Each Item Paid ~ $0.15
Credit Charge For Each Deposit ~ $0.15
Credit Charge For Each Item Deposited ~ $0.12

 

 

Business Savings 1,2

Designed to keep your cash reserves working – yet readily available when you need them.  
 

 

Requirements Minimum To Open ~ $500
Benefits Interest Compounded and Paid ~ Quarterly
Minimum Daily Balance To Earn Interest ~ $500
Interest Rate: 90-Day T-Bill Rate
Cost

Quarterly Maintenance Fee with Daily Balance under $100 ~ $7
Withdrawal Charge After 1 Per Month ~ $1

Maximum Withdrawals per Month~ Six

 


MainStream Savings Account 1,2

A savings account with a premium yield.
 

 

Requirements Minimum To Open and earn Higher Yield ~ $5,00
A checking account must accompany this account
Benefits

Higher Yield than most savings accounts

Quarterly Maintenance  Fee Waived with Daily Balance of $5,000 or more
Interest Compounded and Paid ~ Quarterly
Statement delivery electronically via the Internet

Cost

Debit Charge via the Internet after 1 per Quarter ~ $25

Quarterly Maintenance Fee with Daily Balance under $5,000 ~ $25
Over the Counter Withdrawals ~ $4

 


1. Interest Rates and Annual Percentage Yields (APY) are variable and may change at any time at the Bank’s discretion. No floor or ceiling has been established. A minimum daily balance must be maintained to obtain the APY. The minimum daily balance that must be maintained is equal to the "Minimum Daily Balance to Earn Interest" amount disclosed for each product. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue no later than the business day after the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven Days notice of withdrawal may be required. Fees could reduce the earnings on all accounts.

2. Pre-authorized automatic and telephonic transfers to a third party or another account of the depositor of this Bank are limited by Federal Regulation to six per statement.

 

3. Federal eligibility requirements apply.  This Applies to Money Market Accounts and Business Savings Accounts Only

Main Bank • 2424 Louisiana Blvd. NE • Albuquerque, NM 87110
Phone: (505) 880-1700 • Fax: (505) 880-1777 • Email: Map

 

Ameriplex Mortgage, a division of Main Bank • 8421 Osuna Road NE • Albuquerque, NM 87111
Office Phone: (505) 275-3040 • Fax: (505) 275-1718 • Toll Free Phone: (800) 375-9101 • Map