Commercial Services & Solutions

• Commercial members may provide designated employees with separate user logins and specific access rights such as view, deposit or withdrawals rights per account.

• Commercial members may elect to receive e-Statements with check images.

• 24-months of e-Statements are available through e-ONE Digital Banking.

• Within e-ONE Digital Banking, members are able to build and submit ACH transactions for payments and collections.

• Members can choose to import ACH files from outside software such as their existing payroll system to be securely uploaded and processed.

• Submit single credit and debit ACH transactions or submit multiple transactions in easy to create batches.

• Electronically transfer funds between an Alabama ONE commercial checking or savings account and an enrolled business checking or savings account (External Account) owned at another financial institution.

• Flexible dollar or volume external transfer limit restrictions to accommodate and support business needs.

• Pay your Alabama ONE loan payment using an External Account.

• Commercial real estate comes in many shapes and forms, from owner-occupied buildings to investment properties. Fortunately, we offer real estate loans in all shapes and sizes. But, all of our real estate loans do have a few things in common: competitive rates, flexible terms and no prepayment penalties.

• Whether you’re building a brand-new headquarters, developing property or expanding an existing facility, we can structure a loan to fit your exact needs. And, again, you can count on us for competitive rates, flexible terms and no prepayment penalties.

• Whether it’s a couple of laptops or a fleet of commercial vehicles, every business needs some kind of equipment. When you work with us, we’ll work with you to find the best possible financing for your company — and your budget.

• We’re committed to rural Alabama. With insight into crop production, cattle, poultry, and timber, as well as competitive rates and flexible loan terms, our team is ready to help you maximize productivity while managing risk and cash flow.

• Smart Safe allows cash intensive businesses to securely deposit cash in a safe provided by Alabama ONE at your business.

• Daily provisional credit is extended for deposited cash while residing securely within the Smart Safe until a scheduled armored pickup is performed.

• Easy tracking and reconciliation of cash deposits.

• High speed check scanner provided and installed by Alabama ONE at your business for high volume check deposits without ever leaving your business.

• Ideal for businesses that routinely make a large volume of deposits consisting of a large volume of checks.

• Utilize wire transfer services to transfer funds to or from other financial institutions for business purposes.

• Use call back services or passcode feature for additional security.

• Establish wire transfer authorizations and limits for your employees.

• Use Sweeps to set target account balance by daily transferring of funds to or from a member source account. Only accounts maintained at Alabama ONE are available for Sweeps.

• When payroll funds are deposited via ACH, business members with employees that bank with Alabama ONE can have employee payroll funds distributed across multiple accounts such as savings accounts, checking accounts and even loan accounts held within Alabama ONE.