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OUR SERVICES

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BUSINESS BANKING

Services & Products

At Bank of San Francisco, we are more than a bank. We are your partner in business. Delivered by a staff of experienced bankers, we offer products and services that will help your business thrive.

LOANS

Revolving Lines of Credit***

Take advantage of a revolving line of credit from Bank of San Francisco to address permanent and seasonal increases in accounts receivable and inventory.

Business Acquisition Loans***

We are experienced in guiding clients through the process of acquiring a business and we offer financing to make the purchase possible.

Dental Practice Acquisition Loans***

Bank of San Francisco can assist you in designing the right set of banking products and services to meet your dental practice’s needs. Solutions include:

  • 100% financing for dental practice acquisitions
  • Refinancing of existing practice debt
  • Working capital, accounts receivable, and equipment financing
  • Variable or 5, 7, and 10-year fixed rate loan options
  • A full array of cash management products including Online Banking and Remote Deposit.

Commercial Real Estate Loans***

For the refinance or acquisition of owner-occupied and/or owner-managed properties, Bank of San Francisco offers competitive commercial real estate loans.

Construction Loans***

For those seeking to improve commercial, office, multi-family residential, or industrial properties, we offer construction loans with competitive rates and terms. These loans can be converted into a longer-term mortgage upon completion of the construction process. We also offer loans to cover the acquisition of land intended for development.

SBA 7A and 504 Loans***

Our team offers experienced guidance through the SBA financing process for small and growing businesses with needs ranging from day-to-day working capital to the construction and/or permanent financing of commercial buildings for their operations. We also offer other government-guarenteeed loan programs.

Equipment Loans***

Bank of San Francisco offers term loans for the acquisition of business equipment and other capital assets.

Equipment Leases***

Manage cash flow and take advantage of favorable tax and accounting treatment by leasing major business equipment through Bank of San Francisco.

Deposits

Business Analyzed Checking*

Businesses with a significant volume of monthly transactions receive detailed analysis of their checking account activity on their monthly statements. In many cases, your balance will offset most, if not all, account fees. Other benefits of Business Analyzed Checking include:

  • No minimum balance required
  • Unlimited transactions
  • Check images and statements at no charge
  • The convenience of a Visa® Business Debit Card
  • eStatements available

Business Basic Checking*

Designed for accounts with limited activity, our Business Basic Checking account is a simple business account. With an average collected balance of at least $2,000, you can avoid a minimum balance fee. This account allows clients to:

  • Write up to 50 checks per month at no charge
  • Make up to 20 deposits per month at no charge
  • Check images and statements at no charge
  • The convenience of a Visa® Business Debit Card
  • eStatements available

Sole Proprietor & Nonprofit Interest Checking*

Sole proprietors, nonprofits, and public agencies can take advantage of our interest-bearing Business and Nonprofit interest Checking account. With an average collected balance of at least $5,000, you can avoid a minimum balance fee. This checking account allows clients to:

  • Earn competitive, tiered interest rates
  • Write up to 50 checks per month at no charge
  • Make up to 20 deposits per month at no charge
  • Request check images and statements at no charge
  • Obtain a linked Visa® Business Debit Card
  • eStatements available

Business Money Market*

An interest-bearing account with flexibility, our Business Money Market account allows you to earn a competitive interest rate on your dollars. With an average collected balance of at least $5,000, you can avoid a minimum balance fee. With this product, clients also receive:

  • Up to six pre-authorized transfers per month (per federal regulations)
  • No monthly account maintenance fees
  • Attractive, tiered interest rates
  • No minimum on account withdrawals
  • eStatements available

Certificates of Deposit**

Choose from a variety of fixed rate Certificates of Deposit (CDs) with terms from seven (7) days to five (5) years. With a minimum investment of $1,000, this investment vehicle allows your business the security of a guaranteed interest rate for a period of time that best fits your needs. The interest you earn can be reinvested in the CD, transferred to another Bank of San Francisco account, or paid by check to you at an interval you choose – monthly, quarterly, semi-annually, or at maturity.

Flex Certificates of Deposit**

Have access to your money when you need it. Bank of San Francisco’s Flex CD allows you to enjoy the high rate of a traditional CD with the flexibility of a savings account. With a minimum initial investment of $10,000, your business will earn interest on this investment at the prevailing interest rate for the life of the CD. However, if rates rise, you have the flexibility to increase the interest rate once before the stated maturity date. You also have unlimited flexibility to increase your CD and the flexibility to take a one-time withdrawal of up to 50% of your CD prior to maturity.

IOLTA Tiered Checking

A tiered, interest-bearing checking account managed by the State Bar, the Interest on Lawyers’ Trust Account (IOLTA) is designed for lawyers holding money in trust or escrow on behalf of a client. Clients also enjoy the following benefits with IOLTA Tiered Checking:

  • No transaction limits
  • No charges for checks or deposits
  • The convenience of a Visa® Business Debit Card
Cash Management & Other Services

Online Banking

Bank of San Francisco's Business Online Banking service will save you time and money and will improve the way you manage your business finances. You will have the control you need, with up-to-the-minute balance reporting and multiple disbursement and payment options, along with many other cash management features to help you optimize your business’s cash flow.

Remote Deposit****

Remote Deposit allows you to deposit checks into your business bank account right from your place of business. Simply scan your checks using one of our desktop scanners and they will be directly deposited into your account via our secure Revenue Manager portal. Your checks will be processed as images or converted into Automated Clearing House (ACH) transactions depending on the level of service you choose.

Business Credit Cards***

At Bank of San Francisco, our industry leading Business Credit Card products offer competitive pricing combined with a full range of reward options – making it easy to select the card that meets your needs.

Mobile & Telephone Banking

With our Mobile Banking site, you are able to:Securely access your deposit and loan accounts

  • View your account balances
  • View detailed transaction history
  • Transfer funds between accounts

Our Telephone Banking System provides up-to-date account information 24-hours a day. You also can transfer funds between accounts, make loan payments, change your PIN and even order a fax of your account transactions. To use our telephone banking system call 855.888.BOSF (2673).

Merchant Bankcard Services****

With Bank of San Francisco’s Merchant Bankcard Services, your business will have the flexibility to accept Visa®, MasterCard®, American Express®, Discover®, or any other major credit card. Payments are delivered reliably and securely, helping you reduce your check processing costs and increase your productivity.

ACH**** & Wire Transfers

Transfer funds quickly and securely between your Bank of San Francisco accounts and any other domestic or international financial institution.

Foreign Drafts

Bank of San Francisco offers Foreign Drafts as a convenient way for you to make payments to your foreign suppliers/vendors in their own currency.  

Notary Public

Take advantage of our onsite public notary to authenticate your important documents.  

* Refer to account disclosures for full details.
** Early withdrawal/closure penalties may apply.
*** Subject to credit approval.
**** Subject to approval.