1. Why Access National Bank?
• We are a business bank with dedicated bankers experienced in working with all types
of small businesses including attorneys, CPA’s, government contractors, medical
practices, non profit organizations and companies with $2 to $100 million in revenue.
• Exceptional financial performance record.
• We have experienced commercial relationship managers and lenders committed to
helping you grow your business.
• Responsible stewards of capital
• We offer a full menu of treasury management products to manage your cash, maximize
earnings potential and improve productivity.
2. About Access National Bank
• Organized in 1999 by local business professionals and bankers. We are
headquartered in Reston Virginia and have five locations to serve you;
Reston, Tyson’s, Chantilly, Leesburg and Manassas.
• Our assets are over $809M as of 12/31/11 and we have reported 46
consecutive quarters of profitability.
• Educational seminars and networking opportunities are an integral part of
Access National Bank’s strategy to help our clients grow their business.
• Access is TARP-free and “well capitalized” as defined by the federal
regulators.
• We are a publicly traded company on NASDAQ under the symbol ANCX.
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4. Commercial & SBA Loans
As the number one SBA lender in the Washington, D.C. area, Access
has the experience in making both conventional and SBA loans that will
enable your company to strengthen its competitive edge. We can
customize our loan programs to meet your needs by offering loans for:
• Working capital for business growth
• Acquisition of an existing business
• Commercial real estate mortgages
• Government contract lending
• SBA 7(a) and 504 lending programs
• Asset based lines of credit
5. Commercial & SBA Loans
Below are a few highlights of recent deals we were able to structure for
Access National Bank clients:
• $5 million SBA loan for Growth Capital secured with a 3rd position UCC on
business assets to a “small” $200 million revenue firm in Tyson’s Corner.
• Assisted a contractor with $36 million annual revenue and did a two -stage
leveraged ESOP, we funded a $5 million 7(a) loan to pay-off the
mezzanine debt, reducing debt service by half via a 6% interest rate over 10
years.
As you can see, we customize transactions based on our client’s needs;
that can make a meaningful impact on their business. Learn more about
how we can collaborate with you to grow your company.
6. Commercial Banking - Checking
We have experienced business relationship bankers to help you choose
products and services to meet your business needs through the offering
of customized accounts:
• Commercial Checking Account- This checking account is designed for higher
transaction volume accounts with over 200 items per month. A variable, market based
earnings credit is applied to balances to offset monthly fees.
• Small Business Checking Account - Designed for low balance and lower volume
activity accounts (less than 200 items per month.)
• Business Interest Account - This is an interest-bearing checking account designed for
Non Profits, Governmental units and Sole Proprietorships.
• IOLTA Accounts – This account is designed for attorneys who need an interest earning
trust account, as required by law. Interest earned is sent to the appropriate state bar
association.
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7. Commercial Banking - Savings
• Business Money Market Accounts
• Professional Business Money Market Accounts - Earn a high yield for your banking
relationship. Requires a combining a primary checking account, direct deposit, and debit
card to qualify for higher yield
• Certificates of Deposits – We offer terms from 3 Days to 7 years
• Overnight Investments - Designed to maximize the earning power of cash for qualified
corporate clients. Enjoy the convenience of automated investment, instant liquidity and
premium yields. These investments are Not FDIC insured are not deposits and are not
guaranteed by the bank.
• Certificate of Deposit Account Registrary (CDARS) – FDIC up to $50 million.
Deposits are eligible for multi-million dollar FDIC insurance coverage through one
institution. CDARS offers a variety of rates and terms.
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8. Treasury Management Services
Access National Bank offers a comprehensive suite of treasury
management solutions to help your business manage payables and
receivables easily and efficiently:
Positive Pay Service - Offers a variety of affordable fraud management
solutions to empower your business to guard against check fraud through the
use of technology.
E-Deposit Service - is our internet based electronic deposit solution that allows
you to easily deposit checks anywhere you have internet access and transmit
them to Access National Bank for same day credit.
Wholesale and Retail lockbox – Expedite collection of receivables and access
to your funds
Online Banking Services - Our online treasury management solution provides
businesses of any size access to real-time account information 24 hours a day,
seven days a week. This system will enable you to monitor and manage cash
flow effortlessly in a secured environment.
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9. Treasury Services - Payroll Services
Through our partnership with Employer Services Online (ESO), they can
streamline your back office operations with a more convenient,
accessible and cost-effective Internet-based payroll and tax filing
services.
• Lower Cost – Direct costs of payroll processing can be greatly reduced by
outsourcing
• Better Tax Compliance
• Be More Productive – Remove the hassle of payroll processing from the Owner or
Employees
• Have Greater Security – Limit access to payroll records
• Have Peace of Mind - No headaches; No worries
10. Treasury Services – Merchant Services
Being able to offer cost-effective payment options to your clients and
having faster access to receivables is extremely valuable to your
business, which is why Access offers a variety of payment processing
solutions to help your business maximize profit at minimal cost.
• Credit and Debit Card Purchase, Authorization, Capture & Settlement
• Internet and e-Commerce Processing Solutions
• Gift Cards
• Payroll Cards
• Loyalty Programs
11. Private Banking
We offer both interest and non-interest bearing checking accounts,
money market, savings, certificates of deposit and Individual Retirement
Accounts. We also offer greater flexibility to access your account
information and places where you can use your Access Debit Card.
• Online Banking provides you with the ability to manage your bills online
whenever and wherever you want within minutes. Access Bill Pay will not only
save you time by eliminating the hassles of writing checks and addressing
envelopes.
• Use the Access National MasterMoney™ Debit Card at any ATM
Worldwide. Access National has no front end ATM charges. To offset the
charges at other bank's ATMs, Access National will refund up to 5 charges
per month, per cardholder, with a maximum monthly refund of $20 each
month. This applies to all ATM charges worldwide.
12. Mortgages
Access National Bank completes your business and personal banking
relationship by offering fixed-rate & variable-rate mortgages through Access
National Mortgage, a division of Access National Bank.
Whether you're buying your first home or trying to capitalize on your
investment, we have a program for you. Our experienced mortgage bankers
will find the best loan for your needs and prepare and guide you through
every step of the loan process.
13. Access Investment Services
AIS offers individuals and business owners convenient on-site access
to a wide range of investment products and services:
Pension Plan Development and Management (401k and Defined
Benefit);
Group Benefits (disability, life and health);
Financial Planning and Full Service Brokerage;
Insurance.
NO BANK GUARANTEE | NOT FDIC INSURED | MAY LOSE VALUE All Securities and Advisory Services offered through Investment Professional, Inc. (IPI), a Registered Broker/Dealer & Registered Investment Advisor and member FINRA / SIPC. The investment services offered by IPI under the
name Access Investment Services are in no way affiliated with or offered by Access National Bank, nor is Access National Bank a registered broker/dealer. Customers working with Access Investment Services will be dealing solely through IPI with respect to their investment, brokerage and securities
transactions. The products offered by IPI are not insured by the FDIC or any other government agency, are not deposits or other obligations for Access National Bank or guaranteed by Access National Bank and involve investment risks, including possible loss of principal amount invested.
14. Capital Fiduciary Advisors, LLC
Capital Fiduciary Advisors, LLC (CFA) is an independent registered
investment advisory firm, (RIA) owned by Access National Bank.
• CFA provides asset management services to affluent individuals, institutions and
nonprofits
• CFA customizes service packages for each client, utilizing an objective approach that is
consistent with Access National’s high-level, “business focused” standards
• Portfolio management focuses on specialty, global investment and administrative
strategies and services
• CFA specializes in executive officer and complex transaction-related services such as
restricted stock plans, advanced wealth transfer strategies and Employee Stock
Ownership Plans (ESOPs)
15. Professional Banking Services
We would like to address the most important aspect of your banking
relationship with Access National Bank…and that is your relationship
team.
Your team will consist of a Relationship Manager, Cash Management
Specialist, Client Services Manager, and a Credit Officer, as credit
needs arise.
You will be served by real people who live and work in the same market
and who understand and appreciate your business.
16. Experience the Access Difference!
Tom Ciolkosz
Access National Bank
Vice President
Business Relationship Manager
Direct 703-871-1045
tciolkosz@accessnationalbank.com
Serving successful businesses and professionals throughout Northern Virginia, Maryland and the
Washington, D.C. Area.
Commercial Loans | SBA Loans | Treasury Services | Commercial Banking | Investments | Private
Banking | Mortgages
