Is your business handling hundreds, or even thousands of monthly transactions? If so, a Business Analyzed Account could be the game-changer you didn’t know you needed. These accounts are designed specifically for companies with high transaction volumes and complex cash flow needs. By giving you the tools to track activity, manage fees, and access advanced treasury services, Business Analyzed Accounts help your money work smarter, not harder.

What is a Business Analyzed Account?

Unlike traditional business checking accounts, a Business Analyzed Account allows you to offset your monthly banking fees using an Earnings Credit Allowance (ECA), a calculated value based on your average collected balance. The higher your balances, the more earnings credit you can apply toward bank service fees.

This account is ideal for mid-to-large-sized businesses or organizations with:

• High transaction volumes
• Multiple account relationships
• Advanced treasury needs
• Interest in streamlined cash flow oversight

Industries like manufacturing, healthcare, real estate, and professional services are among those that often benefit most from this type of account structure.

Key Features and Benefits

Here’s why many growing businesses are turning to Business Analyzed Accounts:

1. Earnings Credit Allowance (ECA)

ECA helps you reduce or even eliminate service fees. Based on your collected balances, the credit offsets transaction and service costs, allowing you to keep more of your revenue.

2. Detailed Monthly Analysis Statement

Transparency is critical when managing business finances. Each month, you’ll receive a comprehensive breakdown of your account activity, including fees and the amount of earnings credit applied.

3. Consolidated Account Structure

Link multiple business accounts together for a single, streamlined analysis. This gives you a holistic view of your cash flow and improves how your balances work together to reduce fees.

4. Access to Treasury Management Tools

Pairing a Business Analyzed Account with our Treasury Management services gives you access to:

• ACH origination
• Wire transfers
• Remote deposit capture
• Positive Pay and fraud prevention tools

5. Better Cash Flow Insight

The enhanced reporting and visibility into your cash positions empower you to make more informed financial decisions and maximize your working capital.

How Business Analyzed Accounts Save You Money

Here’s a simple comparison:

• Standard Business Account: Fees can be assessed for exceeding transaction thresholds or for Treasury Management services, regardless of your account balance.
• Business Analyzed Account: Balance based earnings credit can offset or eliminate fees. The more you bank, the more value you gain.

For example, if your average collected balance generates $300 in earnings credit and your monthly fees total $250, your entire fee is covered.

Common Questions from Business Owners

“Will I still pay monthly fees?”
Possibly, but the goal is to offset them using earnings credit. In some cases, you could eliminate fees entirely.

“What happens if my earnings credit doesn’t cover all fees?”
You’ll only be responsible for the remaining balance after your earnings credit is applied.

“Can I combine this with other Treasury Management services?”
Absolutely. In fact, most of our business clients using Analyzed Accounts also take advantage of ACH origination, wire transfers, and fraud prevention tools for even greater efficiency.

Why Choose Falcon National Bank?

At Falcon National Bank, we understand that every dollar matters, especially when you’re running a growing business. Our team takes a personalized approach to help you structure your accounts in a way that fits your financial goals and daily operations.

You’ll also benefit from:

• Expert Treasury Services support
• User-friendly digital platforms
• Local decision-making and relationship-based service

We don’t just manage your money, we help you manage success.

Let’s Talk About Your Business

If you’re ready to take control of your business cash flow and reduce unnecessary banking fees, a Business Analyzed Account could be the solution. Our Treasury Management team is ready to guide you through the process and recommend the right mix of tools for your needs.

Schedule a free account review today and find out how much you could be saving.