Business Banking

Business Checking

HVB offers a variety of business checking accounts to meet the unique needs of your business. All business checking accounts feature:

• FREE business online banking
• FREE business online bill payment
• FREE night deposit processing¹ 

¹ A $25.00 night bag deposit may be required for night drop processing. This fee may be refundable. Certain restrictions may apply.

Non-Profit Checking

Exclusively available for Non-Profit Organizations.

Township Checking

Exclusively available for Government Entities. 

CPAdvantage Checking

Exclusively available for Accountants and Accounting Firms.

IOLTA Accounts

HVB has been recognized as a Platinum Leader Bank by the Pennsylvania IOLTA Board.

Exclusively available for Attorneys.

Call 215-947-1300 for more information.

Commercial Lending

When it comes to financing for your business, HVB can help. We’ll work with you to choose the right credit product, tailor repayment terms to fit your individual needs and provide quick turnaround.

We’ll help you find the loan that best suits your business needs. Select from:

• Lines of Credit
• Term Loans
• Business Loans
• Equipment Purchase Loans
• Letters of Credit

Lines of Credit

HVB offers Business Lines of Credit to satisfy your working capital needs and can meet all your business needs.

Business Term Loans

HVB offers business term loans to assist in the purchase of fixed assets and general business expansion.

Get a long-term commercial mortgage, secured by real estate, for:

• Financing business expansion
• Purchasing of additional property

Letters of Credit

Letters of Credit are available and issued on the basis of HVB’s lending criteria. Contact our Commercial Lending Team to discuss any of our commercial lending products.

Contact Us

	Hugh Connelly Executive Vice President Business Banking	c: 609-668-5679 Email Hugh
	Dan Krewson Senior Vice President     Business Banking	c: 610-761-0466 Email Dan
	Michele Ferraro VP Relationship Manager Business Banking	c: 267-826-4903 Email Michele
	Patrick Mullen VP Relationship Manager Business Banking	c: 215-908-3775 Email Patrick

 Please do not include your account number, social security number or other personally identifiable information in an email.

By partnering with HVB for all of your Cash Management needs, we will work with you in creating practical steps and prudent cash strategies that will set your business up for success.

Business Lending Solutions

As a business owner, we know your business is your world. So, there’s nothing small about it. We know business banking at HVB. A business loan can be critical to your success as a business owner and at HVB we have the solution for loan amounts under $100,000. We offer both term loans and lines of credit to business borrowers. These loans can be used for machinery and equipment, furniture and fixtures, inventory, supplies and working capital.

Application Only Micro Loans

Speed matters – that’s why our Application Only Micro Loans are fast and easy! We can decision most loans up to $100,000 in under 2 days! Funding is quick too, in as little as a week in most cases.

Fill out an application and meet our minimum requirements and typically we will not require financial statements, tax returns or a personal financial statement. This product is ideally suited for businesses that carry credit card balances because our rates are a fraction of those card rates.

Business Term Loan

Looking to buy that crucial piece of equipment, a term loan can do it! With a term loan you finance the equipment over its useful life matching revenue and expenses.

Business Line of Credit

Need to stock up on supplies and inventory for the upcoming season? Or for cash flow while waiting on contracts and invoices to be paid? A Line of Credit is the tool you need. With a line of credit you can borrow up to a maximum limit and only pay interest on the outstanding balance. Cash flow help when you need it the most. Don’t miss out on opportunity because you don’t have ready financing, get a business line now!

What Does it Take?

You always pay your bills and protect your credit but still your current bank says no. At HVB, the minimum requirements we look for in an Application Only Micro Loan is at least two years in business and good credit for the owner and the business. Business hit a rough patch last year but your personal credit is strong? That’s ok, HVB still wants to find a reason to say yes and may ask for additional financial information.

Questions? Contact Us!

Jack Eckhardt, VP Retail Banking
jeckhardt@myhvb.com | 267-637-0446

*Decisions will be communicated to the applicant via email. Date/time stamp of HVB’s sent email will govern the time-line. HVB has until 5 PM on the second business day upon receiving a completed application within which to render a decision. HVB’s decision is made in its sole discretion and may not be limited to approved or declined, the decision might be, we need more information to proceed. This offer may be modified or rescinded at any time by HVB.

By partnering with HVB for all of your Cash Management needs, we will work with you in creating practical steps and prudent cash strategies that will set your business up for success.

Business Online Banking

Business Online Banking Sign Up

Contact Your Local HVB Market Leader

Business Online Banking is our online cash management product that gives businesses 24-hour access to their accounts. The following features may be available upon request:

• Account Overview
• Transaction History
• Statement Access
• Check Images
• Funds Transfer
• Stop Payments

To learn more about Business Online Banking, Watch Our Business Online Banking Video

ACH

• Reduce expenses by using ACH templates (payroll).
• Save time and money by collecting payments electronically from your vendors.
• Eliminate the potential for lost or stolen checks.
• Create transfers and/or templates to be used in the future to initiate transactions.
• Create and maintain a recurring set of transfers and/or templates.

Interested in learning how ACH Manager works? Watch Our ACH Manager Video.  

Bill Pay

Bill Pay allows you to:

• Establish multiple levels of access with dual control options.
• Pay any person or company in the U.S.²
• Receive and pay e-bills online.
• Schedule recurring payments.
• Electronically link invoice and credit memo information to your payments.
• Export your payment information to business financial software.

To see how HVB's Business Bill Pay works, Watch Our Business Bill Pay Video

Internal Transfers

• Instantly transfer money between accounts and view updated balances.
• Schedule transfers up to 10 days in advance.
• Create templates to be used in the future to initiate transfer requests.
• Create and maintain a recurring set of internal transfer requests.

Remote Deposit Capture

• Make deposits to your account anytime, day or night.
• Cut costly courier fees or trips to the bank.
• Save time in preparing your deposits.
• Consolidate funds from remote locations into one bank

Wire Transfers

• Control cash flow with same day delivery of funds.
• Get same day access to incoming wire funds.
• Create templates for recurring wires.

Additional Services

Let HVB be your one-stop source for comprehensive business solutions. Contact us for additional information on the following resources:

Payroll

HVB can work with your payroll provider to ensure a smooth transition and ongoing management for all your payroll needs. Should you be in need of a competitive pricing analysis for your payroll services, HVB can help!

Merchant Services

Should you be in need of a competitive pricing analysis for your merchant processing services, HVB can help!

Mobile Banking

HVB’s Mobile Banking² allows you to securely access your account from your mobile device.

If you have an Android or iPhone you can download our mobile app from the App Store:

 iOS   Android

If you do not have one of those phones, but your phone can access the internet, you can use our mobile banking site, which is specially formatted for quick access from your mobile web browser.

Please call or visit your local branch for more information or assistance in enrolling in Mobile Banking.

² Mobile banking is provided at no charge by HVB. Check with your phone service provider for additional text messaging or phone charges.

Mobile Capture

With Mobile Capture³, you can take pictures of your checks with your mobile phone and have them deposited into your deposit accounts from anywhere, anytime! Deposit up to $10,000 per day with this convenient service.

You can deposit checks at any time, but if deposits are submitted by 4:00 PM ET on a business day, the date of the deposit will be that same day. Deposits submitted after 4:00 PM ET or on a non-business day will be considered deposited on the following business day. Please refer to HVB’s Funds Availability for more information regarding the availability of your funds.

All checks must be properly endorsed (Business Name and/or account number) with “Remote Deposit Only HVB” included.

³ Certain terms and conditions may apply. Please refer to HVB’s Mobile Terms & Conditions for details. Deposits are available pursuant to HVB’s Funds Availability Policy. Messaging and data rates may apply. Contact your mobile provider for details.

Business Credit Card

At HVB, we make it easy to choose the credit card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.

Business Card - Standard Card

Features

• No annual fee.
• Competitive ongoing APR.¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances
• Individual and summary billing options.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary Mastercard® benefits.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.
  
  

Business Card - Preferred Points Rewards

Features

• Earn one reward point for each dollar spent, up to 10,000 points per month.
• Low annual fee of $49.00 per account.
• Competitive ongoing APR.¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual billing option only.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including home theater systems, jewelry, electronics, gift cards, and more.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits.

Fees

• Other fees may be charged, these fees are listed on the downloadable application. 

To Apply Now

• Submit an online application by clicking here.

• Download the PDF Application. 
       • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete           it using a blue or black pen. Paper applications are also available at our local branch office.
       • Bring in your completed application to a branch near you.

¹ Please see application for information about current APRs and fees.

Click here to log in to view and pay your HVB Credit Card today.