Marine works with individuals, entrepreneurs, partnerships and corporations in designing and structuring loans and lines of credit which greatly benefit our customers.   Our team is prepared to take the time to truly understand your business and assist with solutions from their private offices and at your place of business. Unlike many other financial institutions, all decisions are made locally by a well trained, responsive, and knowledgeable group of Marine Bankers. All types of loans and deposits are available and can be tailored to your specific requirements.

Our team of Bankers will assist you with these services and more:

Business Checking	Cash Management
Small Business Checking	Wire Transfers
Non-Profit Checking	Night Depository
Sweep and Zero Balance Accounts	ACH and Direct Deposits
Savings	Safe Deposit Boxes
Time Deposits	Foreign Currency Services
Business Loans	eCorp (Online Cash Management)
Letters of Credit	Lockbox
Merchant Services	Cashier's Checks

(Click on a highlighted service above for more details or call and speak to one of our Personal Bankers for more information!)

Small Business Checking
We have 2 (two) specially designed accounts for small businesses or accounts with low volume activity. You must deposit a minimum of $100.00 to open any one of these accounts. Depending on your volume you can choose from the following:

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Money Market Account
Interest is based on a tiered balance and will earn a competitive rate, compounded daily and credited to your account monthly. Minimum balance to open account is $100.00.  A monthly account maintenance fee of $12.50 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the cycle. Transactions are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.  A $5.00 activity charge will be imposed for each check paid or preauthorized withdrawal in excess of the legal limit during each statement cycle.

Regular Savings Account
Minimum balance to open account is $100.00. If the balance in the account falls below $300.00 any day of the cycle, you will be charged a $3.00 low balance fee. Interest in this account is compounded daily and credited to your account every quarter. A $2.00 activity service charge will be imposed on withdrawals in excess of two in a calendar month, however, ATM withdrawals are exempt.

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Invest your money wisely. A Certificate of Deposit is an attractive way to invest your funds for a specific period of time. With terms starting at 7 days and minimum deposits of $2,500.00, you are sure to find one to fit your financial investment needs. Interest is compounded daily and you have several options as to when you would like it credited. You may elect to receive your interest by check, deposited into another account or credited back to your certificate. Penalties are assessed for early withdrawals. Ask a Banker for more details about our Certificate of Deposit accounts.

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Our experienced bankers will walk you through the necessary steps to provide you with the best credit facilities available for your company, whether you decide on a line of credit, lease, letter of credit, real estate loan, equipment financing or an agricultural loan. It is important to know that all of our decisions are made right here at Marine Bank & Trust Company, Vero Beach, so we can accommodate almost any type of credit requirement.

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    Put eCorp to work for your business today.  Call one of our personal bankers for more information at 772-231-6611.

With some help from the internet, you will have full service access to your accounts in a completely secure environment.  We will transform your computer into a branch office of Marine Bank & Trust Company.  Within eCorp, you will be able to do everything from reviewing your balances, to transferring funds, from requesting stop payments to reviewing your corporate cash handling. eCorp is a dynamic tool for financial management.

Allow your named employees to make controlled disbursements, transfers including ACH and internal transfers, domestic and foreign wire transfers, and bill payments.  Setting of permission controls will allow Marine Bank and/or you to access and approve your employee transactions prior to them being processed.

Complete privacy, controlled through encryption and passwords, ensures only authorized access to your accounts. For additional information please contact your banker or send us an email at ebanking@marinebankandtrust.com.  

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