Select the Account that is right for you!
Offering banking solutions to accommodate the needs of your business.
| Everyday Business Checking | Momentum Business Interest Checking | Momentum Money Market | |
|---|---|---|---|
| Account Description | Built for the pace of business, this account delivers everyday efficiency with a low minimum daily balance, giving you a dependable checking solution that works as hard as you do. | Designed for businesses that maintain $5,000 or more, this account elevates your cash position by turning higher balances into an interest‑earning advantage. | A tiered‑rate structure that accelerates your earning potential while keeping your funds fully accessible. Provides the flexibility you need and the momentum your money deserves. |
| Minimum Opening Balance | $100 | $5,000 | $5,000 |
| Monthly Average Balance | $100 | $5,000 | $5,000 |
| Service Fee if Monthly Average Balance is not met | $12 | $25 | $25 |
| Earns Interest* | ✓ | ✓ | |
| ATM/Debit Card | ✓ | ✓ | ✓ |
| SHAZAM Privileged Status ATM Network | ✓ | ✓ | ✓ |
| Linked for Overdraft Protection | ✓ | ✓ | ✓ |
| Online Banking & Mobile Banking | ✓ | ✓ | ✓ |
| eStatements** | ✓ | ✓ | ✓ |
| Transaction Limits | 250 free items per month. $0.20 per item thereafter. | 8 withdrawals per statement cycle*** | |
| Rates | View rates | View rates |
* The interest rate is variable and may change at any time. Interest is calculated on daily balance. Interest is compounded and paid monthly.
** eStatements are free for all accounts. $5 fee for paper statements.
*** A $12 fee applies to each transaction over 8 per statement cycle.
Certificate of Deposit (CD)
Lock in a guaranteed rate and watch your savings grow over time. Choose the term that fits your goals.
- Certificate of deposit (CD)
- Terms available 3 months to 8 years
- Fixed interest rate for the entire term
- $2,000 min. opening balance (excludes Kid’s CD)
- Individual Retirement Account (IRA)
- 18, 30, and 42 month rates
Your business is our business.
Contact us to get started.
Business Banking Services
Simplify the way you get paid, manage your accounts, and protect your business with secure digital payments, streamlined transfers, and advanced fraud‑prevention tools — all designed to save time, improve accuracy, and keep your finances running smoothly.
Accept Card & Tap Payments
Tap2Local™ lets businesses securely accept payments in person or remotely through the Luana Savings Bank mobile app — no extra hardware required. Plus, we also offer a full suite of merchant services solutions — designed to streamline transactions, improve your customer experience, and help you get paid faster.
Card Management Services
Streamline payments, reduce manual processing, improve accuracy, and provide secure, efficient electronic transfers for payroll, vendor payments, and recurring transactions.
Positive Pay
Protect your business by verifying checks and ACH transactions against your approved records, identifying and stopping unauthorized or altered payments before they post.
Online Services
Digital banking built for the way you do business. Manage your finances with speed and confidence through a full suite of online and mobile tools designed to keep your business moving.
- Online Banking
- Mobile Deposit
- eStatements
- Online Bill Pay
ATM/Debit Card
Use your Business ATM/Debit Card to check balances, withdraw cash, or access funds without writing checks or visiting a branch. Your money stays within reach, 24/7. Cards are on SHAZAM’s Surcharge-free Privileged Status ATM Network.
Business Loans
We offer flexible, growth‑driven financing for every stage of your business — from real estate and development to equipment, vehicles, agriculture, and renewable energy. Whether you’re expanding operations, investing in rental properties, building new facilities, or upgrading essential assets, our comprehensive lending solutions help your business move forward with confidence.
Additional Services
We offer a range of services designed to simplify and support your business operations, including QuickBooks integration, Remote Deposit Capture, and Merchant Card Services. With convenient options like Night Deposit, Safe Deposit Boxes, and Business Credit Cards, you’ll have the tools and flexibility to manage your finances with confidence.