Business Deposit Services

Business Checking
All accounts include:
• E-statements
• Free business check card
• Free online banking
• Free mobile banking

Regent Free Business Checking
• Minimum to open $200
• No monthly maintenance fee
• 100 free items per month*
• Bill pay $2.50 for 10 transactions, 35¢ per transaction thereafter

*20¢ Excess fee ** Paper statement $2

Regent Business Checking Account Analysis
Use this account to handle all your business needs, whether you are a sole proprietor, partnership or corporation.

• Minimum to open $200
• Maintenance fee $8/month
• Variable credit on average daily balance
• Bill Pay $2.50 for 10 trans, 35¢ per transaction thereafter
• 15¢ charge for each debit item
• 10¢ charge for each credit item
• 9¢ charge for each deposited item

Please see Truth In Savings disclosure for complete details. Please see your personal banker for a copy.

Regent Platinum Business Checking

Use this account to handle all your business needs, whether you are a sole proprietor, partnership or corporation.

• Minimum to open $200
• Maintenance fee $8/month
• Bill Pay $2.50 for 10 trans, 35¢ per transaction thereafter
• 15¢ charge for each debit item
• 10¢ charge for each credit item
• 9¢ charge for each deposited item
• Interest bearing tiered

Interest rates for:

• $0.00 - $9,999.99
• $10,000 - $24,999.99
• $25,000 - 249,999.99
• $250,000 and up

Business Savings

Regent Money Market

• Minimum to open $2,500
• Market rate earnings
• Interest bearing
• Required average collected balance $2,500
• Maintenance fee $6 (if below collected balance)
• Monthly check limit 6
• Excessive withdrawal fee $3 per debit
• Certificates of Deposit
• Invest your money today in a CD from Regent Bank.
• $1,000 minimum to open

With a minimum investment, your money can be earning interest at the current fixed rate. Term of investment can vary from 3 months to 5 years and can be easily renewed or cashed in at the end of that time. The choice is yours.

*Early withdrawal penalty may affect your Annual Percentage Yield (APY). APY assumes interest remains on deposit until maturity. Rates are subject to change weekly. Interest calculated according to your "Average Daily Balance." Minimum to open = minimum to obtain APY. Annual = 365 days.
 

Insure Your Money

CDARS -(Certificate of Deposit Account Registry Service)

Are you concerned about FDIC insurance? Worry no more. With CDARS, you can maintain up to $50 million in CD’s and money market accounts with Regent Bank and be fully insured by FDIC insurance. CD maturities available from 30 days to 5 years and there are no fees associated with the program.

Regent Bank is proud to be a member of the CDARS network.  CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multimillion-dollar CD deposits and to earn rates that may compare favorably to Treasuries and money market mutual funds.

With CDARS, you sign one CDARS Deposit Placement Agreement with a participating financial institution of your choice, earn one interest rate per maturity, and receive one regular statement.

It's that easy!

CDARS is the perfect solution for many investors – businesses, nonprofits, credit unions, public funds, advisors (including trustees, CPAs, financial planners, and lawyers), individuals, and socially responsible investors.

Please visit with a Regent Bank Personal Banker or visit www.cdars.com to learn more about CDARS today!

Note: Depending on your cash management and liquidity needs, you may want to take a look at ICSSM, the Insured Cash Sweep® Service, which provides access to multi-million-dollar FDIC insurance for funds placed into demand deposit accounts and/or money market deposit accounts.

FDIC Insurance



A Guide to What Is and Is Not Protected by FDIC Insurance

What Is Insured?

You are probably familiar with the traditional types of bank accounts - checking, savings, and certificates of deposit (CDs) - that are insured by the FDIC. Banks also may offer what is called a money market deposit account, which earns interest at a rate set by the bank and usually limits the customer to a certain number of transactions within a stated time period. All of these types of accounts generally are insured by the FDIC up to the legal limit of $250,000 and sometimes even more for special kinds of accounts or ownership categories. For more information on deposit insurance see FDIC brochure "Your Insured Deposits."

What Is Not Insured?
Increasingly, institutions are also offering consumers a broad array of investment products that are not deposits, such as mutual funds, annuities, life insurance policies, stocks and bonds. Unlike the traditional checking or savings account, however, these non-deposit investment products are not insured by the FDIC.

Have a question or complaint?

Go to our Customer Assistance Online Form

Have a question or complaint about the FDIC?
Go to the Office of the Ombudsman

Want to determine your deposit insurance?
Visit our Electronic Deposit Insurance Estimator (EDIE)

FDIC Call Center
1-877-275-3342 (1-877-ASKFDIC)
8:00 am - 8:00 pm ET; Monday-Friday
9:00 am - 5:00 pm ET; Saturday-Sunday
For the Hearing Impaired
Toll Free 1-800-925-4618 / Local (VA) 703-562-2289
For More Information from the FDIC
Call toll-free at 1-877-ASK-FDIC (1-877-275-3342)
from 8 a.m. until 8 p.m. Eastern Time, Monday through Friday.

For TDD call 1-800-925-4618.

Request a copy of “Your Insured Deposits,” which provides a detailed discussion on all the ownership categories, or by calling toll free 1-877-275-3342.

Merchant Services

Regent Bank offers efficient and cost-effective solutions for accepting card payments to small businesses throughout Oklahoma. Accepting Visa and MasterCard allows businesses to offer additional payment options, making it easier to sell services or products. A merchant account can provide:

Convenience: Allowing for immediate sales.
Reduced Receivables: Reduce your 30-, 60-, or 90-day receivables.
Fast Availability of Funds: Funds are deposited directly into your checking account within 24 to 48 hours.
Easy Reconciliation: Merchants receive the gross amount of their card deposits; processing fees are charged at month-end. Weekly or daily deposit summary statements detail all card transactions. A monthly statement includes a summary of deposits and fees.

Please contact a Regent Bank Personal Banker to learn about our Merchant Services options today!

Cash Management

Improve your funds management, cash flow and your bottom line with cash management solutions from Regent Bank. With cutting edge products like mobile banking, business online banking, and Remote Deposit Capture, you can manage your cash quickly and easily from the comfort of your own home or office. 

Call a Regent Bank Personal Banker for more information about our cash management solutions today!

Check Card

These cards are accepted anywhere VISA is recognized and can be used for “point of sale” transactions in person to pay for services, goods and get cash. They offer the same convenience of a credit card but the money is taken directly from your checking account foregoing the hassle of writing checks.

Remote Deposit Capture 

No more driving to the bank every day to make the deposit. With Remote Deposit Capture, business clients can make deposits right from your desktop! Just scan your checks and electronically deposit them at the bank. Save time, paper and gas by using Remote Deposit Capture today!

Free ATM’s

Regent Bank clients can use all Quik Trip ATM’s in Oklahoma absolutely free! Plus, you can use over 300 additional ATM’s in Oklahoma and Kansas and pay no bank surcharge. Just call us or visit www.transfund.com for a list of No Surcharge ATM’s.

One-on-One

Check your balances, last checks cleared, and much more with Regent's personal 24-hour information service. Just call 918-273-1661 for this convenience.

Regent Online

Regent Bank now offers online banking, the newest, easiest way to bank. Access account information, transfer funds between accounts or even download account information. Enjoy the convenience of your own Regent branch right in your own home or office. Sign up for online banking in Nowata or Tulsa.

Regent Online + Bill Pay 

Regent Bank also offers Online + Bill Pay. With Bill Pay you are able to pay all your bills with a simple click. Bill Pay offers a hassle-free way to pay your bills with no stamps, envelopes or trips to the post office.

Overdraft Privilege 

On qualifying regular consumer checking accounts, overdrafts can be covered up to $700. Our normal overdraft fee will apply to each item overdrawing your account.

Mobile Banking

 Our mobile banking lets you bank anywhere, anytime, easily from your smartphone.

E-Statements

The convenient, secure way to receive your statements online each month.