title = "Business Account Services"

content = """
Business banking requires specialized products and services beyond personal
banking. Supporting small business customers demands understanding of cash
management, treasury services, and business-specific compliance requirements.

**Business Checking Options:**
- **Basic Business:** 200 free transactions monthly, $0.50 per additional item.
  $15 monthly fee waived with $2,000 minimum balance. Best for sole
  proprietors and small businesses with limited transaction volume.
- **Commercial Business:** 500 free transactions monthly, $0.40 per additional
  item. $25 monthly fee waived with $5,000 minimum balance. Includes treasury
  management tools and higher mobile deposit limits.
- **Non-Profit Checking:** Special terms for 501(c)(3) organizations with
  300 free transactions and waived monthly fee with $1,000 balance.

**Treasury Management Services:** Cash management tools for businesses needing
sophisticated control over cash flow. Services include: ACH origination for
payroll and vendor payments; remote deposit capture for high-volume check
deposits; wire transfer capabilities; positive pay fraud prevention; and sweep
accounts for automatic overnight investing of excess balances.

**Merchant Services:** Credit and debit card processing for businesses. Rates
negotiated based on volume and business type. Equipment options include
countertop terminals, mobile card readers, and integrated point-of-sale systems.
24/7 technical support and next-day funding available. PCI compliance assistance
provided.

**Business Savings and CDs:** Money Market Business accounts earn interest on
operating reserves while maintaining liquidity. Business CDs offer guaranteed
returns for excess cash not needed for operations. Both help businesses grow
reserves while maintaining access to funds.

**Business Debit and Credit Cards:** Business debit cards for authorized
employees with individual spending limits. Business credit cards earn rewards
and help separate business expenses. Detailed reporting available for
accounting integration. Liability protection for unauthorized transactions.

**Account Opening Requirements:** Business accounts require: articles of
incorporation or organization; EIN confirmation letter; business license (if
applicable); and identification for all authorized signers and beneficial owners.
Partnerships and sole proprietorships have different documentation requirements.

**Beneficial Ownership Verification:** Under the Customer Due Diligence (CDD)
Rule, businesses must identify and verify the identity of each individual who
owns 25% or more of the entity and one control person. This information must
be updated when changes occur. Failure to provide required information results
in account restrictions.

**Customer Service Role:** While Treasury Management specialists handle complex
cash management needs, Customer Service addresses routine business inquiries:
balance verification, transaction history, debit card issues, and basic online
banking support. Recognize when to escalate to Treasury Management or the
dedicated Business Banking team.
"""  # noqa: E501

version = "0.0.1"
