FDIC Insurance-

• Up to $250,000 of insurance coverage - coverage is based on your other SWB accounts, just ask your SWB banker for details.
  
  On May 20, 2009, President Barack Obama signed the Helping Families Save Their Homes Act, which extends the temporary increase in the standard maximum deposit insurance amount (SMDIA) to $250,000 per depositor through December 31, 2013. This extension of the temporary $250,000 coverage limit became effective immediately upon the President’s signature. The legislation provides that the SMDIA will return to $100,000 on January 1, 2014.
  
  Sun West Bank is pleased to inform you that we participate in the FDIC's temporary guarantee of noninterest-bearing checking accounts. The guarantee also applies to our negotiable order of withdrawal, (NOW) accounts, with interest rates of .50 percent or less. The program insures these types of accounts fully - yes, 100% coverage - through June 30, 2010. On August 26, 2009, the FDIC adopted the final rule extending the Transaction Account Guarantee (TAG) portion of the Temporary Liquidity Guarantee Program from December 31, 2009 until June 30, 2010. We know that FDIC protection is important, and we wanted to provide you with this added security. We believe our customers will find this enhanced coverage beneficial.

Personal | Certificates/IRA's/Savings | Business| Loans | Electronic Banking Services | Other Products & Services

Personal Products

Sun West Bank offers a wide variety of personal products and services designed to meet the needs of our valued customers.

Checking Products

Classic Checking

Check activity limited to 25
There is a $.20 activity fee for each additional check thereafter 

Classic Interest Checking*

Check activity limited to 25
There is a $.20 activity fee for each additional check thereafter 
Interest paid on average daily balance of $1,500 and over

Value Checking

Check activity limited to 10
There is a $.50 activity fee for each additional check thereafter 

Platinum Advantage (55+) Senior*

Interest is paid on average daily balance of $2,500 and over
Package of banking services including free anytime Anywhere Online
Banking and Bill Pay, free travelers checks, free cashiers checks, free
Platinum Advantage style checks, free notary service, free ATM
transactions at qualifying MoneyPass locations.
 

Platinum Advantage Plus (55+) Senior*

Interest is paid on average daily balance of $1,500 and over
Must maintain $10,000 in other account to receive package of
banking services including free anytime Anywhere Online Banking
and Bill Pay, free travelers checks, free cashiers checks, free 3x5
SDB or $25-$30 credit depending on size available at location, free
Platinum Advantage style checks, free notary service, free shredding
service, free ATM transactions at qualifying MoneyPass locations.

Prime Money Market Account*

Effective July 2, 2009, Federal Regulations limit checks and preauthorized transactions (automatic, telephone, or data transmission transfers) to six (6) per calendar month. There is a $20 activity fee for each additional check and/or preauthorized transfer thereafter. Interest paid on average daily balance of $2,500 and over.

Advance Plus Line of Credit
A flexible credit line that acts as an extra cash reserve. Overdrafts are automatically covered with your own personal line of credit. There is no interest charged until you use the account. Applications and approval are required. Annual renewal fee of $15 will apply. Ask us for more details.

Advantage Visa Check/Debit Card
Allows ATM card access free at Sun West Bank, and also access to most Nevada ATMs with a MoneyPass logo without incurring a foreign ATM charge fee. ATM or Visa Debit Cards can be also used at more than 11,500 MoneyPass® Network ATMs worldwide. Signed Agreement required for Consumer Visa Debit Card.

Member: Visa, MoneyPass, Interlink and Cirrus

Certificates/IRA's/Savings

Certificates of Deposit*

• Certificate of Deposit (CDs) rates vary, depending on term and amount of deposit. Current terms available include 7 days and 30 day through 365 days.
• Minimum Opening Deposit: $5,000
• Interest is compounded daily from date of deposit to end of term.
• Interest on CDs on any term may be reinvested or paid to a Sun West Bank Checking Account, Savings Account, Money Market Account or paid to you by check.
• Interest may be paid monthly, at each month end, quarterly, semiannually, or annually. For terms of one year or less, interest can be paid at maturity.
• At maturity, CDs automatically renew for the same term as the previous term, at the rate in effect on the maturity date. Sun West Bank will send a maturity notice before maturity if the term is 30 days or more.
• There may be a penalty for early withdrawal.

Retirement Accounts*
An Individual Retirement Account (IRA) is a savings plan for wage earners under 70 ½ years of age. IRA contributions may be tax deductible.

• Minimum Opening Deposit: $100
• Fixed Rate IRA CD term of 18 months.
• Interest is compounded daily from date of deposit to end of term.
• Interest on IRA CDs is re-invested.
• Interest is paid at the end of each the quarter.
• At maturity, IRA CD’s automatically renew for the same term as the previous term at the rate in effect on the maturity date.
• There may be a penalty for early withdrawal.
• Sun West Bank can arrange for the transfer or rollover of an existing IRA currently at another financial institution.

Classic Savings*

Activity limited to 6 withdrawals
Activity fee for each transaction in excess of six (6) per quarter  $ 2.50
Interest paid on average daily balances of $500 and over

Federal Regulations limit preauthorized transactions (automatic, telephone, or data transmission transfers) are limited to six (6) per month

Business Deposit Products

As an independent bank, Sun West Bank is committed to servicing the needs of all businesses and professionals in our community. Our business products are designed to reflect this commitment. Our experienced banking professionals are skilled at assisting you in selecting the right products for you and your business.

Checking Products

Freedom Business Checking

Free Anywhere/Anytime OnLine Banking

Free Business Checks₂

Free Visa Business Card₃

Over 2000 ATM locations throughout the USA

Other Business Banking Services available including discounted payroll service solutions discounted₄

1. Up to 300 combined – deposits, deposited items, checks/debits, ach items.  Over 300 will be charged $.30 each  2. Start up Business checks $35 value issued through Bank’s designated check vendor (or credit of $35 towards upgraded checks issued through the bank’s designated vendor)  3.Subject to credit approval  4.Choice of discounted payroll services; no fees assessed for returned deposited items if less than 3 in a statement cycle. Bank reserves the right to assess currency fees for volumes over $5000 a month statement cycle.  Some restrictions apply. Limited to one account per business entity. In the case of excessive transactions and / or cash deposits, Sun West Bank reserves the right to transfer you to an account with more appropriate services.

Business Value Checking

Check activity limited to 30 checks per statement cycle
There is a $.25 activity fee for each additional check thereafter 

Business Prime Checking

Per check item fees:

Paid against account $ .18
Deposits processed $ .75
Checks deposited $ .07
ACH/debits/credits $ .07

An earnings allowance (taking into account all collected funds and earnings) is applied to offset cost of services according to this equation:

Average collected balance
- Federal reserve requirement
= Net available balance
x Current earnings rate
= Earnings allowance

Business Analysis Checking

Costs of services provided are offset against an earnings allowance applied to all collected balances each statement cycle.
Ask for our separate Analysis Schedule of Fees and Charges for activity and maintenance fees that may be applied against account.

Business Now Account*

Check activity limited to 25 checks per statement cycle
There is a $.20 activity fee for each additional check thereafter 
Interest paid on average daily balance of $1,500 and over

Business Money Market*

As of July 2, 2009, the Federal Regulations limit checks and preauthorized transactions (automatic, telephone, or data transmission transfers) to six (6) per calendar month. There is a $20 activity fee for each additional check and/or preauthorized transfer thereafter. Interest paid on average daily balance of $2,500 and over. Interest tiers start at $2,500 and over; Minimum balance of $2,500 to obtain the disclosed annual percentage yield.

IntraSweep*

Convenience of Automatic Daily Money Market Sweep to Maximize your earnings

• All collected funds automatically invested.

• 100% investment of collected funds over target balance.

• Competitive interest rates paid immediately on investment balances.

• Fully liquid business checking account with unlimited check writing.

• Competitive transaction fees on the business checking account.

• Detailed monthly investment statements.

The agent for this innovative new account is Stable Custody, LLC.

Important Information Regarding FDIC Insurance Rules and Sweep Accounts

Sun West Bank has elected to participate in the Transaction Account Guarantee Program offered by the Federal Deposit Insurance Corporation (FDIC). This means that funds held in your noninterest-bearing checking account are now insured in full (100%) by the FDIC through June 30, 2010. However, under the sweep arrangement we transfer funds above your defined target balance into an interest-bearing account. With respect to the funds that are transferred into the interest-bearing account, these funds do not qualify for 100% deposit insurance coverage under the FDIC Transaction Account Guarantee Program. These funds held in an interest-bearing deposit account, will continue to be insured for up to $250,000 under the FDIC’s general deposit insurance rules through June 30, 2010. On August 26, 2009, the FDIC adopted the final rule extending the Transaction Account Guarantee (TAG) portion of the Temporary Liquidity Guarantee Program from December 31, 2009 until June 30, 2010.

As an example:
For an account with a total balance of $400,000 with a $100,000 target balance; the Checking Account Balance of $100,000 is insured 100% and the Sweep Account Balance with $300,000 is insured up to the new limit of $250,000.


Business Classic Savings*

Activity fee for each transaction in excess of six (6) per quarter  $2.50
Interest paid on average daily balance of $500 and over

Federal Regulations limit preauthorized transactions (automatic, telephone or data transmission transfers) to six (6) per month

Loan Products

At Sun West Bank, our goal is to assist our customers with their business and financing requirements. Matching the right products to take care of your Banking needs requires us to understand your business. We accomplish this through careful listening and skillful interviewing by one of our experienced banking professionals. While we do have a wide selection of loan programs, our number one priority is to provide you with the products and services that are best suited to meet your business goals.

The following is a brief list of loan products:

Commercial Loans:
Business Term Loans for Capital Expenditures, Tenant Improvements, or Business Vehicles.

• Repayment terms up to five years
• Fixed or variable rates
• Monthly interest payments, flexible principal payments

Business Lines of Credit
Revolving Lines of Credit or Single Pay Short Term Notes for Seasonal Working Capital, Trade Discounts, Inventory, or Accounts Receivable Financing.

• Monthly interest payments
• Terms to match source repayment

SBA 504 Loan Program
Financing for New Construction, Expansion, or Remodel of Existing Buildings; some Machinery and Equipment loans.

• Up to 90% financing
• Terms up ten years
• Program details are available

SBA 7A Guaranteed Program
Financing for Business Acquisitions, Start-Up and/or Expansion of Existing Business.


Real Estate Term Loans
Financing available for Owner-Occupied Business Properties and Investor Income Properties of all types.

• Fixed rates available
• Terms up to 10 years
• Amortization up to 25 years

Real Estate Loans
Sun West Bank offers a full line of real estate construction loans, for:

• Commercial Buildings
• Office Buildings
• Industrial Buildings
• Retail Projects
• Custom Residential
• Residential Tract Developments Including Model Homes
• Land Development

In addition, we specialize in term loans for owner occupied commercial and industrial properties, as well as selected income properties. We also offer residential lot loans in approved planned communities.

Both fixed and variable rates are available for most projects, with repayment programs to fit your needs.

Equipment Financing / Leasing
Flexible, convenient and locally approved, equipment financing is the solution to your business equipment needs.

• Up to 100% financing of equipment costs, sales tax,
  delivery and installation
• Amounts from $25,000 to $500,000 or higher
• Competitive fixed rates
• Maturities up to 60 months or more
• Fully amortized

Electronic Banking Services

Sun West Bank is committed to providing high quality customer service with both a high touch and high "tech" feel. The Bank is currently offering both consumers and businesses with the ability to move money quickly and electronically. Highlighted below are the Sun West Bank's Online Banking benefits.

Personal Online Banking
Sun West Bank's Online Banking is available to you 24 hours a day, 7 days a week. And it's so simple, anyone with a Sun West Bank account, a PC and an Internet connection can use it! Online banking lets you.

• View balances and account information on deposit accounts
• View loan and line of credit balances
• Transfer funds real time between accounts
• Retrieve transaction history
• Use Bill Pay for current, future, and recurring payments
• Download account information into Quicken or Microsoft® Money

Business Cash Management
In addition, Sun West Bank offers flexible Online Banking service for commercial businesses. The Cash Management interface enables commercial account holders to use the Internet Banking System to manage funds in all their accounts with the ultimate in security, ease and flexibility available on the Internet.

Sun West Bank offers …

Multiple Account Control:
Commercial users can establish multiple accounts and also establish multiple user access privileges by user. Authorized users can access account details, such as float balances to assist with timely decisions about money management.

Added Security:
Usage can be limited and/or tracked to a specific PC location to provide verification restrictions above and beyond the standard password protocols.

Wire Transfers:
Commercial accounts can conduct secure wire transfers via the Internet.

EFTPS Tax Payments:
Commercial accounts can pay their taxes via the Internet and  use of the credit system avoids having to give the IRS the authority to debit your account.

Payroll/Direct Deposit:
Allows direct deposit of payroll for commercial accounts.

ACH Origination:
Conducted using standard NACHA format for debits and credits. Files are transferred to disk for use on Fed-Wire or the Bank's ACH origination system.

Save Time and Labor:
Transfer between your accounts as many times as you wish within product and/or regulatory limitations without incurring additional charges. You can even warehouse transfers for future dates. Additionally you can print statements every day if you wish and verify if specific items have cleared. We have even thought of the convenience of all your balances appearing on one screen.

Universal Bill Payment:
Commercial customers can conveniently pay bills online and take advantage of time and cost savings usually afforded only to retail customers. With this feature your vendors will perceive your company as efficient and modern.

Business Remote Deposit Capture is an easy to use PC, Internet based product that allows Business customers to process and capture deposits at their place of business. This convenient service reduces transportation costs and returned deposited item risk and can improve funds availability.

Positive Pay is a software program that is fully integrated with Sun West Bank’s Anytime Anywhere standard online banking service. This additional service provides enhanced security for business account(s) by allowing the opportunity to review checks presented for payment on a daily basis as compared to business accounting records of issued checks. Positive Pay not only strengthens internal accounting controls, it helps identify fraud expeditiously resulting in reduced internal and external fraud risk.
Positive Pay is easy to use. It is also streamlined as it only requires a daily review of paid exceptions. Since it is fully integrated with our Online Banking service, it does not require additional technology, log in IDs or passwords.

Other Products & Services

Safe Deposit Boxes
Sun West Bank's vault offers you the safety and protection you simply can't match in your home. And with your safe deposit key, your valuables are easily accessible at your convenience in facilities that ensure your complete privacy.

Night Drop Services
Make deposits 7 days a week, 24 hours a day with our Night Drop Services!  Our Night Drop Vaults are available at each Sun West Bank location.  Night depository vaults are always opened under dual custody by two of our team members.  This convenient service provides:

• Secure place to put deposits during and after regular banking hours
• The peace of mind knowing checks and cash will be safely received by the bank
• Prompt posting to your account - your deposits are credited to your account the following business day! 

Direct Deposit
Sun West Bank offers the convenience of Direct Deposit. Whether you wish to arrange for Direct Deposit of your paycheck, or you want to sign up for Direct Deposit of your Social Security or other recurring income, Sun West Bank makes it simple. Sign up today by filling out a simple form, its Free! Ask about our "Quick Start" program.

Cashiers Checks
For paying large sums of money, this check offers maximum safety and is readily accepted. Cashiers Checks are available for a small fee.

Bank By Mail
With our special " Bank by Mail", your transactions can be easily handled through the mail. It is as easy as mailing a letter.

Wire Transfer
For those times when you have a need to transfer funds immediately we offer wire transfer service. Whether you are transferring or receiving we can make the arrangements for you.

Travelers Checks
Sun West Bank offers the widely recognized and accepted American Express Travelers Cheques. Travel with confidence knowing your money is safe with the widely accepted American Express Travelers Cheques.

Courier Services
Sun West Bank offers Courier Services to merchants, business professionals, and others as an additional banking convenience. We can run to you, leaving you free to run your business!