Google+IBERIABANK - Small Business LP Google+

Solutions For Your Business


Manage cash flow and get access to credit when you need it most. Designed to meet your needs, we offer a full range of services from Free Business Checking to Choice Business Checking for businesses that require greater cash management needs. Every business establishes goals for efficiency,liquidity, profitability and security. We support these goals by providing a customized cash management process to make your everyday business money management as efficient and effective as possible.

Business Checking

Checking

  • Free Business Checking This checking account is ideal for most small businesses because it features no minimum balance and no monthly service charge, but also includes 500 transactions per statement cycle.*
  • Business Plus Checking This is an ideal account for seasonal business owners or companies with limited transaction volume.
  • Choice Business Checking For small businesses that need more choices, this account provides solutions for credit/debit card payments and the ability to deposit checks from their office.
  • Advanced Business Checking Designed for small businesses with high transaction volume or large cash deposits, this account is perfect for a growing business.
  • Business Interest Checking Businesses that maintain higher balances and low monthly transactions are attracted to this interest-earning checking account, which also includes Online Banking and Bill Pay services for free.
  • Commercial Checking with Analysis This commercial account features robust cash management solutions for businesses that have more versatile needs.
  • Business Money Market Accounts Money market accounts designed for businesses to receive exceptional return on their money.

Complimentary Services

All our small business checking accounts include:

  • Free IBERIABANK Visa® Debit Card
  • Free Online Banking and Bill Pay
  • Free Bank to Bank Transfers
  • Free Mobile and Text Banking**
  • Mobile Deposit Capture**
  • Free Online Check Images
  • Free Email Alerts
  • Free e-Statement and e-Notices
  • Free Combined Statements
  • Free Telephone Banking

Plus...you’re a small business owner, we waive the monthly service charge on up to two personal checking accounts.

*Free Business Checking and free personal checking provide no-cost maintenance and account activity; incidentals on the accounts, such as check purchases, stop payments, photocopies, etc., are not free. Any Free Business Checking account exceeding stated transaction limits or cash deposited/ exchanged limits during any two statement cycles in a 12-month period may automatically be converted to Business Checking Plus. Free Online Bill Pay Service is intended for use by small business clients with annual sales less than $10 million. Commercial accounts must review online services with a Relationship Banker for a quote.

**Mobile and Text Banking services require enrollment in IBERIABANK Online Banking. Mobile carrier’s text messaging and web access charges may apply. Mobile Deposit limitations: Clients enrolled in Online Banking for more than six months are limited to total deposits of $2,500 per day (up to 10 items) and $5,000 per month (up to 30 items). If enrolled less than six months, $1,000 per day (up to 10 items) and $3,000 per month (up to 20 items).

Borrowing Needs

Business Borrowing:

Business Term Loans

  • Meet your company’s short-and long-term needs
  • Flexible terms with competitive rates
  • Local decision-making with personal service

Operating Lines of Credit

  • Perfect for short-term needs and opportunities
  • Pay interest only on funds spent
  • No re-application required to re-access funds

Real Estate Loans

  • Expand your business as demand grows
  • Flexible terms to keep up with your company
  • Local decision-making with personalized service

SBA Loans

  • Financing from $50,000 to $10,000,000
  • Flexible Terms and Maturities
  • Competitive Rates and Down Payment Requirements

Business Credit Cards

  • Save on purchases and balance transfers
  • Track your purchases, check your balance and make payments online
  • Depending on the card you choose, you can earn reward points for everyday purchases
All products are subject to approval, including credit approval.

Online Services

FREE Online Banking and Bill Pay* Bank on your schedule. Within minutes, you can receive current check balances, make transfers, pay bills, and more.

  • Free Mobile Banking* You can access your account information, pay bills, deposit checks, and transfer funds, securely and conveniently at your fingertips.
  • Free Text Banking* Quickly and easily receive up-to-date account information on your phone via text message.
  • Free Mobile Deposit Capture Deposit your check within moments from your smartphone using our Mobile Banking* App for iPhones and Androids.
  • Free Apple iPad® App Check personal account balances, view recent transactions, pay bills, transfer funds, and locate ATMs and branch locations, and much more.

*Free Online Bill Pay Service is intended for use by small business clients with annual sales less than $10 million. Commercial accounts must review online services with a Relationship Banker for a quote. Rates and fees are subject to change. Mobile and Text Banking services require enrollment in IBERIABANK Online Banking. Mobile and Text Banking services require enrollment in IBERIABANK Online Banking. Mobile carrier’s text messaging and web access charges may apply. Mobile Deposit Limitations: Clients enrolled in Online Banking greater than six months - $2,500/day (up to 10 items) and $5,000/month (up to 30 items); Clients enrolled in Online Banking less than six months - $1,000/day (up to 10 items) and $3,000/month (up to 20 items).

Personal Banking

Checking

  • Freedom Checking Enjoy Online Banking with free Online Bill Pay and e-Statements. Plus, convenient ways to waive the monthly service charge.
  • Classic Checking A banking relationship for clients age 55 and over.

Savings

  • Statement Savings The simplest way to save is with this traditional savings account.
  • Holiday Savings This savings account is an interesting way to save for the holidays.
  • Money Market Account (MMA) Featuring flexible options, MMAs provide exceptional savings and, most importantly, access to your money.
  • High Interest Money Market This is an exceptional money market account available exclusively to High Interest Checking clients.
  • Certificate of Deposit (CD) While penalties may be imposed for early withdrawal, CDs earn competitive rates of interest and provide a guaranteed rate of return with fixed rates and a choice of terms.

Complimentary Services

All our personal checking accounts include:

  • Free IBERIABANK Visa® Debit Card
  • Free Online Banking and Bill Pay
  • Free Bank to Bank Transfers
  • Free Mobile and Text Banking**
  • Mobile Deposit Capture**
  • Free Online Check Images
  • Free Email Alerts
  • Free e-Statement and e-Notices
  • Free Combined Statements
  • Free Telephone Banking

Plus...you’re a small business owner, we waive the monthly service charge on up to two personal checking accounts.

*Mobile and Text Banking services require enrollment in IBERIABANK Online Banking. Mobile carrier’s text messaging and web access charges may apply. Mobile Deposit limitations: Clients enrolled in Online Banking for more than six months are limited to total deposits of $2,500 per day (up to 10 items) and $5,000 per month (up to 30 items). If enrolled less than six months, $1,000 per day (up to 10 items) and $3,000 per month (up to 20 items).

About Us

Partner with a bank you can trust, from people who know you.

At IBERIABANK, we provide a comprehensive approach with a variety of fi nancial products to suit your personal, business and borrowing needs. Our experienced banking professionals are empowered to provide local decision-making and focus on personal customer service. Our products and services are designed to help our clients manage, grow and transfer wealth. Our primary focus is to maximize your fi nancial potential by developing a customized plan that reflects your life’s vision at any stage of your life.

A 127-year history of banking excellence.

Our Company was founded 127 years ago in New Iberia, Louisiana on March 12, 1887. Acadian refugees settled in the area beginning in 1765 (French is still spoken by many inhabitants). As suggested by the community’s name, New Iberia has a significant Spanish influence as well. In 1778, 16 families from Spain, a part of the original Iberian Peninsula, boarded ships sailing for New Orleans. In 1779, these Malaguenos Spanish settlers trekked from New Orleans to settle and establish the community of New Iberia. An additional influx of Acadians arrived in the period of 1785-1788. At the time of the Louisiana Purchase, Spanish and French population in Louisiana outnumbered the American population by six times. The melting pot of French, Spanish and English early settlers provided a rich diversity of culture which continues to be present in the region today. We are proud of our rich history, financial growth and ability to expand during turbulent economic times.

Our solid financial performance and a conservative approach to business have served us well.

Well-positioned for future growth:

  • 1st Bank in the Country to Repay TARP
  • Well-Capitalized for Selective Acquisitions
  • Fortress Balance Sheet
  • Large Core Funding Base
  • Strong Asset Quality
  • Minimal Real Estate Construction and Development Exposure
  • Large & Diverse Fee Based Businesses: Mortgage, Title, Investment Management
  • Operating in Countercyclical and Diverse Economies