If you are a business owner operating as a Doing Business As (DBA) or a professional who is not in a partnership nor incorporated, or that is a member of sport clubs, graduating class, or charitable accounts, and you only need one signature on your account, B-Smart® is for you. It’s the checking account that includes a savings section and a line of credit1, and allows you to earn PREMIA® points3.
This business checking account meets the specific needs of small businesses, medium-size businesses and corporations. It offers a savings section and a line of credit1 under a single account number, making it easier to manage and keep track of your funds.
If you're a realtor9, this business checking account allows you to deposit funds received as earnest money deposits made in connection with purchase offers for the acquisition of a home or other real estate property.
1All extensions of credit, whether via credit cards, credit lines or loans, are subject to credit approval. Certain conditions apply.
2A $0.40 fee will apply for every transaction in excess of 50 transactions per cycle. It includes paid and deposited checks, electronic transactions in debit and credit accounts and deposit slips.
3The PREMIA® program is optional an entails a $25 annual fee. Subject to the PREMIA® program conditions.
4Available only for accounts with indistinct signatures and / or accounts of one signature.
5Subscribed by Chubb Insurance Company of Puerto Rico. Subject to terms and conditions of the Policy. Insurance products are not a deposit or other obligation of, nor are they guaranteed by the Bank or its affiliates; they are not insured by the FDIC or any other US agency, the Bank or its affiliates.
6A daily balance of $2,500 is required to avoid a monthly service charge of $10.00.
7The transactions include paid and deposited checks, deposit slips and electronic (ACH) transactions received in credit and debit accounts. A fee of $0.50 will be applied for transactions in excess of 70 per cycle.
8Available only for accounts in which account holders are authorized to sign singly and/or accounts with only one signatory.
9To open the account, you must present a valid Realtor’s license.
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