Business Banking

USAmeriBank is dedicated to helping small businesses ($1-$10 million annual revenue) build themselves and their communities. We have the financial tools and solutions you need to help you run efficiently, open or expand facilities, buy new equipment, enter new markets and capitalize on the opportunities that come your way.

In working with small companies, we know your time is valuable, because often the owner is also the day-to-day operator. With that in mind, we will do your banking and financial homework for you, helping you sort through options for keeping your costs low while financing your growth.

Our dedication to the area means we are committed to helping area businesses, large or small. Let us help you invest, grow and succeed. Contact your local Relationship Manager today.

USAmeriBank Business Banking division serves local retail, manufacturing, technology and service companies with these credit, treasury and deposit products:

  • Small Business Administration (SBA) loans
  • Lines of credit for working capital
  • Financing for equipment
  • Financing for commercial real estate needs

USAmeriBank shares your vision to be smarter, faster and more efficient than your competitors. We have the knowledge, experience and strength to make it possible. Contact your local Relationship Manager today.

USAmeriBank provides fixed and variable rate financing solutions for those who value a total banking relationship. With local ownership, management and decision-making, USAmeriBank can customize commercial loans and lines of credit that will best serve your borrowing needs. Feel free to contact one of our commercial lending specialists directly to learn more or start an application.

To speak to a Relationship Manager, contact your nearby branch.

USAmeriBank Business Savings

  • $500 Minimum Deposit to Open
  • Interest is calculated and compounded daily on 100% of the collected balance and credited to your account monthly.
  • $10 monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $500 minimum daily balance.
  • Transaction Limitations: Transfers from a Business Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Fees: An excess withdrawal fee of $10 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six each month.
  • Free Business Internet Banking (basic services), Internet service provider fees may apply
  • Free Check Images with Monthly Statement
  • Free Debit MasterCard®, with primary USAmeriBank checking, overdraft and returned item fees may apply

Basic Business Checking

  • $100 Minimum Deposit to Open
  • $10 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $1,000 minimum daily balance.
  • Processed items of 250 or more charged $0.29 each
  • Free Business Internet Banking (basic services), Internet service provider fees may apply
  • Free Check Images with Monthly Statement
  • Free Debit MasterCard®, overdraft and returned item fees may apply

Business 500 Checking

  • $100 Minimum Deposit to Open
  • $15 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $3,000 minimum daily balance. Maintenance Fee can also be avoided by maintaining $25,000 in combined average balances of deposit relationship and/or loan balances.
  • 500 processed items free, $0.25 each after first 500
  • Free Business Internet Banking (basic services), Internet service provider fees may apply
  • Free Check Images with Monthly Statement
  • Free Debit MasterCard®, overdraft and returned item fees may apply

Business Analysis Checking

A Business Analysis Checking account is used by business customers who benefit from earning credit for deposit balances to offset service fees. All related Business Analysis Checking accounts can be linked to combine balances and offset fees. The Earnings Credit Rate is determined at the bank’s discretion and may change from time to time.

ZBA Analysis Checking

A Zero Balance Account helps our customers manage their disbursement process by linking a master account to one or more sub account(s) in a zero balance arrangement. When a customer writes checks drawn on the sub account(s), a transfer of funds is automatically initiated from the master account to fund the sub account(s) at the end of each day and bring the balance back to zero. Conversely, excess collected balances in the sub account(s) are automatically transferred to the master account at the end of the day. ZBAs can be used for both collections and disbursements.

Business Interest Checking

  • $100 Minimum Deposit to Open
  • Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily collected balance of $5,000 required to earn interest.
  • $12 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $3,000 minimum daily balance. Maintenance Fee can also be avoided by maintaining $25,000 in combined average balances of deposit relationship and/or loan balances.
  • Unlimited transactions
  • Free Business Internet Banking (basic services), Internet service provider fees may apply
  • Free Check Images with Monthly Statement
  • Free Debit MasterCard®, with primary USAmeriBank checking, overdraft and returned item fees may apply

USAmeriBank Business Money Market

  • $1,500 Minimum Deposit to Open
  • Tiered interest rate structure.
  • Interest is calculated and compounded daily on 100% of the collected balance and credited to your account monthly.
  • $12 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $2,500 minimum daily balance.
  • Transaction Limitations: Transfers from a Business Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Withdrawals or transfers by mail, in person at one of our offices, and through an ATM are unlimited and are not subject to the withdrawal limitations. Fees: An excess withdrawal fee of $5 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.
  • Business Internet Banking (basic services), Internet service provider fees may apply
  • Free Check Images with Monthly Statement
  • Free Debit MasterCard®, with primary USAmeriBank checking, overdraft and returned item fees may apply

Certificates of Deposit

For customers who do not require immediate access to their funds and want to earn a higher rate of interest, USAmeriBank offers a variety of CD options and term lengths. Competitive interest is compounded daily. CD accounts are fee free; however, substantial penalties will apply for early withdrawals. CD accounts earn interest at the rate and Annual Percentage Yield (APY) printed on the face of the certificate for the initial term of the certificate. For each automatic renewal, the interest rate and Annual Percentage Yield (APY) will renew at the prevailing APY and for the same term length.

Business Banking

Have questions? We have answers.

Please use the form below to contact us.

Carl Alred
Vice President / Relationship Manager – Zelda Road Office
Office: 334-270-3005
Email: calred@usameribank.com

Curtis Anthony
Vice President / Relationship Manager – Meadowbrook Office
Office: 205-408-2005
Email: canthony@usameribank.com

Coleman Beale III
Vice President / Relationship Manager – Meadowbrook Office
Office: 205-408-2017
Email: cbeale@usameribank.com

Leslie Bridges
Vice President / Relationship Manager – 4th Street Office
Office: 727-394-3168
Email: lbridges@usameribank.com

Leslie Bridges
Vice President / Relationship Manager – 4th Street Office
Office: 727-394-3168
lbridges@usameribank.com

Jocelyn Chapman
Vice President / Relationship Manager – Belleair Office
Office: 727-254-5266
jchapman@usameribank.com

Jim Downey
Vice President / Relationship Manager – Tarpon Springs Office
Office: 727-756-1105
jdowney@usameribank.com

Chase Hardy
Asst. Vice President / Relationship Manager – Zelda Road Office
Office: 334-270-3002
Email: chardy@usameribank.com

Aaron Jimison
Vice President / Relationship Manager – Ybor City Office
Office: 813-345-5535
ajimison@usameribank.com

Rene Martinez
Vice President / Relationship Manager – Ybor City Office
Office: 813-345-5528
rmartinez@usameribank.com

Dean Peevy
Vice President / Relationship Manager – Zelda Road Office
Office: 334-270-3003
Email: dpeevy@usameribank.com

Ryan Skipper
Asst. Vice President / Relationship Manager – Zelda Road Office
Office: 334-270-3006
Email: rskipper@usameribank.com

Angelie Spurling
Senior Vice President / Relationship Manager – Ybor City Office
Office: 813-345-5534
aspurling@usameribank.com

Doug Williamson
Senior Vice President / Senior Relationship Manager – Meadowbrook Office
Office: 205-408-2020
Email: dwilliamson@usameribank.com