Business Banking
 Business Loans
Commercial purpose loans and investment property mortgages are available at all Stephens Federal Bank locations.* We offer commercial lines of credit, property and equipment loans, land development and acquisition loans, construction loans, and permanent mortgages for qualifying commercial properties. Please contact a Stephens Federal loan officer for more details about your specific financing need.
 Smart Business Checking
 $500 minimum to open
- No minimum balance to maintain
- Same day credit for deposits
- Image Statement
- ATM/Debit Card Available
- Night Deposit
- Wire Transfers
- Tax Deposits
- 25¢ per item for more than 200 checks per month
- 85¢ charge per deposit for more than 30 deposits per month
- Merchant Card Services available
- 24/7 telephone and online banking
- Overdraft Protection available*
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First Business Money Market Account
- Earns competitive interest rate
- $5,000 minimum to open
- Image Statement
- Same day credit for deposits
- Account limited to 6 total withdrawals per month, 3 by check
- Night Deposit
- Wire Transfers
- $10 fee and no interest earned when balance falls below minimum
- $5 excess withdrawal charge
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Payroll Individual Retirement Account
Payroll Individual Retirement Arrangement is designed to give your employees the opportunity to contribute toward their retirement. This contribution would be by payroll deduction and will be deposited into an IRA account in the employee’s name with Stephens Federal Bank. The arrangement would be established between your employee and Stephens Federal Bank. As their employer you would agree to payroll deduct the amount requested by your employee for deposit at Stephens Federal to their IRA. Contact a Customer Service Representative for more information.
*subject to credit approval.
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Non-Profit Organization Checking
Because we recognize and appreciate all that you do for others every day, we want to do something for you! That's why we created a checking account strictly for non-profit organizations.
With this account, enjoy benefits such as:
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Interest Bearing
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Unlimited Check Writing
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No Minimum Balance
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Free Online Banking
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Lock Bag Available
It takes only $1,000 to open, so bring in a copy of your IRS letter of determination or other evidence of your non-profit status and open an account today!
eStatements
A few of the most common ways thieves get your personal information are stealing your mail or purse/wallet and rummaging through your trash. Let Stephens Federal Bank help protect your identity and financial information with eStatements. This electronic version of your paper statements is securely stored, available only to you within Online Banking, and is a free service.
View your eStatements anytime by simply signing into Online Banking at www.stephensfederalbank.com and clicking the eStatements button within your checking account information. When you sign up you provide us with your current email address and we’ll send an email with a link when your account statements are available.
Benefits of eStatements
- We’ll file it for you – eStatements will be archived for 18 months.
- View Check images – official check copies available to you at no extra cost.
- Immediate email notification - when new statements are available.
- Remote access – view your statements anywhere you have an internet connection, 24 hours a day.
- Printing Options – print your statement multiple times or not at all!
Sign up for eStatements today!
- Log into Online Banking, click on eStatements button within your checking account information to sign up.
For more information contact us by email (bank@stephensfederalbank.com) or call (706) 886-2111 or 1-888-910-2265.
Click Here to SIGN ON to Stephens Federal Bank’s Online Banking to view your eStatements.
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