Take care of business with confidence
Run your cash flow like clockwork, from payments to deposits and everything in between.
Benefits You'll Love
- Variety of services for any business transaction
- Make deposits, payments, direct deposit, and more
- Improve timeliness and accuracy
ACH Debit Origination Services
Originate electronic payments from customers directly into your account in a timely and secure manner using ACH Debit Origination.
RTP Receipts
Receive immediate availability of real-time-payments initiated through The Clearing House and FedNow® Service. Payments will clear and settle in real-time between banks on a 24/7/365 basis, including nights, weekends and holidays.
Remote Deposit Capture
Avoid deposit delays and improve cash flow with Remote Deposit Capture. Deposit one or multiple checks 24/7 from your office computer using a check scanner.
Remote Deposit Mobile
Deposit checks anytime from anywhere in the U.S. using your mobile device.
Lockbox Services
Reduce receivables processing time and relieve the bookkeeping workload by utilizing Lockbox Services. Keystone Bank offers both wholesale and retail lockboxes.
Depository Drop
Deposit at any branch after business hours including weekends utilizing Depository Drop.
Merchant Services
Accept credit card payments with access to the latest payment processing technology and functionality, as well as competitive rates through our trusted 3rd party provider-FiTech.
ACH Credit Origination Services
Eliminate costs and risks of check processing by sending electronic payments directly to vendors accounts in a timely and securely manner using ACH Credit Origination.
Same Day ACH
Provide same day electronic payment to payees on ACH transactions processed prior to the 2:00 PM Same-Day ACH cutoff.
Wire Transfer
Submit secure domestic and international wire transfers online by using our Treasury Management platform or in person at one of our branches.
Online Bill Payment Services
Pay bills online without having to purchase checks, pay bills electronically, schedule recurring payments, and monitor pending payments through the Online Bill Pay service.
Online Treasury Management Portal
Monitor your account balances, pay bills, transfer funds, manage receivables and payments, and view online statements all with one login.
Administration Access
Efficiently personalize permissions for each of your online users.
Web-Based Reporting
Perform consolidated balance and transaction reporting on all your accounts with current day, previous day, and historical web-based reporting, including BAI2 and EDI reporting.
Intuit Product Integration
Simplify your bookkeeping with our QuickBooks and Quicken integration. Available for both online and PC or Desktop versions.
Account Analysis
Utilize balances from one or more accounts to compensate for the activity charges that are assessed on your account.
IntraFi ICS and CDARS
Conveniently and easily maintain FDIC protection on large balances and earn a market return through the IntraFi Network.
Sweep Services
Minimize idle balances to improve cash flow management with Zero Balance Accounts, Target Balance Accounts, and Loan Sweeps.
DACA Accounts
Establish a deposit account control agreement to protect your interest in a debtor’s deposit account and define who can initiate disposition instructions to the bank.
Commercial Deposit Accounts
Learn more about our business checking and our business savings accounts.
Check Positive Pay
Prevent check-based fraud before it can occur by verifying checks presented for payment against your issued check report and pay or return items electronically as needed.
ACH Blocking and Filtering
Help mitigate and alleviate unwanted transactions on your account by blocking unauthorized debit or credit activity with a filter profile.
Two-Factor Authentication 2FA
Enjoy an additional layer of protection on online account access through Keystone Bank's Treasury Management Portal.
Keystone Bank Fraud Page
Make sure you are always up to date with trending scams and fraud prevention measures by checking out our Fraud Awareness page.
Merchant Services
- Ensure customers can pay their way at checkout
- Open your business to all major credit and debit cards
- Improves both customer satisfaction and your bottom line
Commercial Credit Cards
- Contactless and EMV chip enabled card
- Apple Pay, Samsung Pay and Google Pay supported
- Visa Zero Liability - you only pay for purchases you have authorized on your card, and unauthorized purchases are not the customer’s responsibility.
Use this calculator to determine your projected earnings from our Keystone Rewards Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Keystone Rewards Checking*
| Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 0 - $50,000 | 5.37% | 5.50% |
| $50,000+ | 0.50% | 2.17% to 5.50% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Earning your rewards is as simple as using the free services that come with your account. Enrollments must be in place and all of the following transactions and activities must post and settle to your Keystone Rewards Checking® account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
And if you don’t meet your qualifications during a cycle, your free account will still earn our base rate. Then you can get back to earning your full rewards the very next month.
Keystone Rewards Savings*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $100,000 | 4.65% | 4.75% |
| $100,000+ | 0.50% | 2.63% to 4.75% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Keystone Rewards Checking or Keystone Cash Back Checking® rewards automatically qualifies you for the highest Keystone Rewards Savings® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Keystone Rewards Checking or Keystone Cash Back Checking account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
No Penalty CDs
| Term | Interest Rate | APY |
|---|---|---|
| 13 months | 0.35% | 0.35% |
