Deposit Accounts

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What comes to Albina, stays in Portland. With deposits at Albina, you not only find the same competitive rates and products as you'd find at the other banks, but you also get the satisfaction of knowing that your deposits are helping to support first-time homebuyers, build businesses, and redevelop historic buildings in your local neighborhoods - as well as providing you with some of the most competitive interest rates In the market.

Business Builder Checking
Looking for an account that is just the right fit for your small business?  Consider this basic business account - no transaction fee on your first 250 transactions and standard business online banking access at no charge.

• $100 minimum opening deposit
• $8 monthly service fee if daily minimum balance drops below $2,000
• First 250 transactions (debits/credits) free; then $0.50 each
• Non-interest bearing
• No fee for standard online banking access

Want more options?  Our Business Builder Checking account package has them…

• No monthly service fee for the first 6 months
• Free online banking AND free online bill payment services
• $100 credit towards your first order of checks and endorsement stamp

Business Builder Interest Checking
This account is designed for sole proprietors and qualifying non-profits who won't have a lot of transaction activity but want the benefit of earning interest on their balances.  No transaction fee on your first 250 transactions, and free standard business online banking access.

• $100 minimum opening deposit
• $10 monthly service fee if daily minimum balance drops below $2,500 (Monthly fee is waived for qualifying Nonprofit Organizations.)
• First 250 transactions (debits/credits) free; then $0.50 each
• Interest earned is compounded daily and credited to account monthly
• No fee for standard online banking access

Business Money Market
If you anticipate limited transactions on you're account, and want to earn a higher rate of interest on the balances you keep, our Business Money Market account is right for you.  The more you keep in the account, the greater the interest you earn.

• $100 minimum opening deposit
• $10 monthly service fee if daily minimum balance drops below $2,500
• $10 for each restricted transfer over 6 per month
• Tiered rates of interest based on balance in account
• Interest is compounded daily; credited to account monthly
• ATM card options; no foreign ATM fees; no surcharge at Key Bank ATM machines
• No fee for standard online banking access

Business Money Market Plus
If you consistently keep balances of $100,000 or more and have limited transactions, this account is just the ticket.  You'll earn market rates of interest on your deposits - the more you keep in the account, the more interest you'll earn.

• $100 minimum opening deposit
• $25 monthly service fee if daily minimum balance drops below $100,000
• $10 for each restricted transfer over 6 per month
• Tiered rates of interest based on balance in account
• Balances below $100,000 earn interest at lowest tier of Business Money Market account
• Interest is compounded daily; credited to account monthly
• ATM card options; no foreign ATM fees; no surcharge at Key Bank ATM machines
• No fee for standard online banking access

Certificates of Deposit
If you don't need the liquidity of a money market or statement savings account, and still want to earn a high rate of interest - we offer a variety of terms to meet your needs.

• Terms from 3 months to 5 years
• ACB 6 and 12 month terms allow add-on deposits
• Earn higher rates for longer terms
• Interest paid on average daily collected balances; compounded monthly and paid at maturity or monthly, depending on term
• Early withdrawal penalties may apply
• Interest may be withdrawn without penalty

Charitable Certificates of Deposit
An easy way to make a long-term impact.  Put simply, you designate a qualified charity and it continually, automatically, receives the interest over the life of the CD.  You meanwhile can get back your principal whenever you decide you need it.  Safe and protected - and FDIC insured.


CDARS
A viable alternative for those customers who want the ease and benefits of keeping all their funds in one place while still maintaining FDIC insurance on those funds.

• FDIC insurance coverage on deposits up to $50,000,000
• Single consolidated statement
• Rates competitive with other high quality, fixed income investments
• Terms of 4, 13, 26 or 52 weeks, and 2 and 3 year investments
• No direct fees to customer

Other Small Business Products & Services

• All types of Loans and Lines of Credit (including Government Guaranteed Loans) and Business Credit Cards - View our Business Credit products
• Merchant Services
• Business Online Banking / Cash Management Services (PDF file)(Account balance information, ACH origination, Stop payment requests, Tax payments, Check and statement images, Positive Pay, etc.) - Link to Schedule of Fees (PDF File) Link to either enroll or sign in if you are already enrolled in online business banking.
• Wire Transfer Services
• Bill Payment Services
• Deposit Courier Services (We'll happily pick up non-cash deposits at your business)
• Depository Services at U.S. Bank (Make your Albina deposit at select U.S. Bank branches; set-up required)
• Night Depository Services
• 24/7 Automated Customer Service
• Free Cash Withdrawals at over 2,000 Key Bank ATMs across 15 states and no foreign ATM fees
• Overdraft Privilege Service
• Workplace Banking