Business Express Courier Service
Wisconsin Community Bank is pleased to announce the expansion of their Business Express Courier Service.

• NEW centralized number for same day pick-up, delivery and change orders. Email us at express@thewcb.com or call in the Madison market, 608-298-1752, or in the Monroe market, 608-328-4000.
• Save time and money...Let WCB come to you
• Flexible daily pick-up or call...We're there when you need us.

eDeposit®
It's like having a bank inside your business! eDeposit® is a revolutionary check clearing tool that allows you to deposit checks electronically from your business

• Send your deposit directly from your desk to top to the bank
• Realize immediate cost savings in labor and mileage expense
• Enjoy flexibility with later deposit deadlines and faster funds availability
• Improve Staff Productivity

For more information or a demonstration give us a call.

eDeposit® is a trademark of eDeposit corporation (eDeposit.com), and its use is pursuant to a license agreement with Wisconsin Community Bank.

Business Lending
Wisconsin Community Bank focuses on financing for small to medium sized companies in south central Wisconsin and north central Illinois. We realize that one of the more important functions a bank partner can provide is to help our business clients fund growth and expansion. Our compact, less cumbersome size, together with our strong capital base in Heartland Financial, U.S.A., allows us to provide our customers with timely, creative and flexible solutions to their needs. Our experienced business bankers are trained to seek the best financing package, whether that is conventional bank financing or government assisted financing, for each client on an individual basis.

Our business bankers are ready to assist you with the financial expertise and lending experience that you need to enhance your success. Among the lending products are:

• Lines of Credit
• Revolving Term Loans
• Conventional Term Loans – Long and Short Term
  • Commercial Mortgages
  • Equipment Notes
  • Facility Additions and Improvements
• Government Program Loans – Long Term and Working Capital
• Letters of Credit
• International Letters of Credit
• Interim Construction Loans
• Equipment Leases

Guaranteed Lending
Long term financing is the key to growth for American small businesses. Because of our extensive experience with a wide variety of government loan and grant programs, Wisconsin Community Bank will assist you through the eligibility and application process, making it as easy as possible for you. Our creative business bankers will search for the right program to fit your specific needs. Two of the more popular guaranty programs are the Small Business administration (SBA) and Rural Development loans. These guarantees enable the client to obtain longer term financing, which positively affects the cash flow of the business. The longer terms support growth and provide the company with "staying power" during downturns in the economy.

Benefits of a Wisconsin Community Bank loan with a Government Guaranty:

• Longer Maturity (Up to 25 years on real estate)
• Flexible Terms (Split rates/fixed rates)
• SBA Experienced lenders and processors who know what is needed to expedite the approval process.
• Businesses who might not qualify for conventional financing might be eligible with the support of a government guaranty.

Treasury Management
Our Treasury Management services are designed to help you manage your company’s finances and control its cash flow cycle more efficiently and profitably.

Treasury Management Services provided include:

• On-Line Banking service
  • Balance Reporting Services
  • Automated Clearing House (ACH) Services
  • Stop Payment and Book Transfer Services
    
• Lockbox Services
  
• Wire Transfer Services
  
• Account Reconciliation
• Target Account Services
• Sweep Accounts (Both loan and investment)^*
• Merchant Credit Card Services
• Direct Deposit of Payroll
• Corporate and Personal Credit Cards
• International Services

Business Deposit Products
Small Business Checking
A simple checking account that is offered to small business customers, organizations, and corporations with limited check writing and deposit activity.

Small Business Interest Checking
A simple checking account that offers a competitive interest rate to sole proprietors, non - profit organizations, government entities and other eligible organizations.

Business Checking
A checking account that is offered to commercial customers who have more frequent check writing and deposit activity. This account offers a monthly earnings credit to offset monthly services fees.

Business Interest Checking
A higher volume, interest bearing account for sole proprietors, non-profit organizations, government entities and other eligible institutions. Interest is paid on this account using the daily balance method.

Business Market Max
An account that offers money market rates, liquidity, and limited draft access with the added security of FDIC insurance. Tiered interest rates can provide you with higher yields with higher balances.

Business Savings
An account with a low minimum balance requirement to help your business build savings.

Business Certificates of Deposit
A WCB Certificate of Deposit offers the security of a guaranteed rate for a guaranteed term. Terms are available from 14 days to 60 months. FDIC insurance provides added security to your investment.

^*Not FDIC Insured, No Bank Guarantee, May Lose Value.