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Provider of deposit accounts, loans and Internet banking for the community of Homestead and the surrounding areas.
www.1stnatbank.com
Provider of Internet banking, loans and other financial services to individuals and businesses.
1stnatbank.com
Provider of personal checking and saving services for the communities of Polk County.
www.abt-bank.com
ANB's community banks offer a range of retail and business banking services including checking and savings accounts, as well as installment loans, residential mortgages and commercial loans.
www.alabamanational.com
Locally owned community bank headquartered in Oakland Park, Florida.
www.americannationalbank.com
Bank provides financial services to the community of Miami Lakes.
www.bankonus.com
Bank provides deposit accounts and loans to the businesses and consumers in the Saint Augustine community.
www.bankstaug.com
Provider of deposit accounts, loans, mortgage lending and trust services to the community of Panama City.
www.baybankandtrust.com
Bank offers services such as personal and business banking, corporate banking, commercial real estate, private banking, as well as residential and business lending.
www.buexpress.com
Provider of personal banking, business banking, ATM/debit cards, telephone banking and investments.
www.capecoralbank.com
Provider of personal banking, business banking and Internet banking.
www.cboviedo.com
Financial institution offers a range of financial services to individuals and businesses, ranging from traditional checking accounts to telephone banking services.
www.ccbanc.com
Bank offers personal banking, business banking and Internet banking to the communities of Tampa and Brandon.
www.centralbank-tampa.com
Bank provides financial services to the communities of Sarasota and Manatee counties.
www.centurybankfl.com
Membership available to employees of select employee groups.
www.cfhcfcu.org
Provider of personal banking and business banking for the communities of Vero Beach, Sebastian and Barefoot Bay.
www.citrusbank.com
Bank provides personal banking, business banking and Internet banking to the communities in and around Bartow.
www.cnbbartow.com
Bank offers personal banking, commercial banking, trust services, international banking and lending services for the community of Miami.
www.coconutgrovebank.com
Financial services provider that offers personal finance, online services, small business solutions and corporate banking services. Operates in several states throughout the US.
www.comerica.com
Bank offers financial services through offices located in Miami-Dade and Broward Counties.
commercialbankfl.com
Bank offers personal banking, mortgage loans, business banking, investment services and Internet banking to the community of Naples.
www.communitybankofnaples.com
Bank offers online brokerage, bill payment service and access to checking and savings accounts.
www.compassweb.com
Financial institution offers personal banking, business banking and real estate services to the community of Miami.
www.continentalbank.com
Bank provides mortgage loans, persoanl banking, business banking and lending services to Destin and the surrounding communities.
www.destinbank.com
Bank provides deposit accounts and loans to the individuals and businesses of Chiefland and the neighboring areas.
www.drummondcommunitybank.com
Bank provides personal banking products, business banking products andloan products to the residents of North Palm Beach and the surrounding communities.
www.enbpb.com
Bank offers personal banking, business banking, investments, lending services and Internet banking to the community of Englewood.
www.englewoodbank.com
Provider of online banking, commercial banking, personal banking and mortgage services.
www.enterprisebank.com
Bank offers personal banking and business banking to the community of Fort Myers.
www.fcb-yourbank.com
Bank provides deposit accounts and loans to the consumers and businesses in Debrary, as well as the surrounding communities.
www.fcbonline.net
Community bank located in the Westshore financial district that offers full service banking to the area’s small businesses, employees and their families.
www.fcbtampa.com
Provider of personal and commercial banking services for communities in Arizona and North Dakota.
www.fibtlink.com
Independent community bank that provides Internet banking, telephone banking, personal finance services and business banking.
www.firstcitybank.com
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Bank serves the financial needs of Osceola County.
www.firstnatlbankosceola.com
Bank is located at Naval Air Station Mainside, Pensacola, Florida. Also has a branch at NAS Whiting Field, Milton, Florida.
www.firstnavybank.com
Bank offers trust services, investment services, mortgage services, personal banking, business banking and Internet banking to the residents of Manatee County.
www.firstnbt.com
Bank offers deposit accounts and loans to the communities of Bradenton and Sarasota.
www.flagshipnationalbank.com
Bank offers financial services to Fernandina Beach, Amelia Island and all of Nassau County.
www.fnb-palm.com
Bank provides personal banking, commercial banking, loans and Internet banking for Milton and the surrounding communities.
www.fnbfl.com
Provider of personal and business deposit accounts, lending services, investment services and trust services for the community of Mount Dora.
www.fnbmd.com
Bank provides personal and business banking services, loans, investments and credit card services to the community of Panama City.
www.fnbnwfl.com
Bank offers financial services to the community of Orange Park.
www.fnborangepark.com
Bank offers private banking, personal banking, business banking and lending services to Indian River, Martin and St. Lucie Counties.
www.fnbtc.net
Bank provides financial products and services to consumers and small businesses in Palm Beach County.
www.freedomaccess.com
Financial institution offers personal banking, business banking, Internet banking and mortgage lending to the residents of Boca Raton.
www.fsbanknet.com
Bank offers online banking, personal products and services, business products and services, wealth management, lending services and investment services to the communities of Coral Gables, Miami and Key Largo.
www.gibraltarbank.com
Bank offers personal deposit accounts and loans to the community of Grapeland.
www.gsbank.com
Financial institution provides personal deposit accounts, consumer loans, commercial loans and mortgage loans to the Apalachicola, Carrabelle, Eastpoint and St. George Island communities.
www.gscb.com
Bank offers a range of financial products and services targeting individuals as well as corporations, both domestic and international.
www.helmbank.com
Bank provides the communities in and around Lutz with financial services for individuals and businesses.
www.heritagebankfl.com
Provider of business accounts, personal accounts, retirement accounts and lending services for the community of Ocala.
www.inatbank.com
Bank offers personal banking, business banking and private banking to the community of Miami.
www.interamericanbank.com
Bank provides financial services to the residents of Vero Beach and the surrounding areas.
www.irnb.com
Financial institution offers personal and business banking services, as well as lending services.
www.jacksonvillebank.org
Financial institution specializes in jumbo mortgages, self-employed financing, Small Business Administration loans and bed and breakfast/small hotel financing.
www.keysfinancial.com
Provider of personal banking, commercial banking, lending services and retirement accounts.
www.keywest-bank.com
Bank specializes in meeting the changing financial needs of the business community of Southwest Florida.
www.landmarkbankfl.com
Provider of personal and business banking for Palm Harbor and the surrounding areas.
www.madison-bank.com
Bank offers private banking, personal and business banking, trust services, investment services and Internet banking to Vero Beacha nd the surrounding communities.
www.marinebankandtrust.com
Bank offers personal loans, commercial loans, saving accounts and checking accounts to Madison and the surrounding areas.
www.mccbflorida.com
Provider of personal banking, business banking and Internet banking.
www.ms-bank.com
Bank serves the financial needs of consumers and businesses throughout Miami-Dade and Broward Counties.
www.oceanbank.com
Provider of personal and business banking services for Jacksonville Beach and the surrounding areas.
www.oceansidebank.com
Membership available to anyone who has a child currently enrolled in the Bay County public school system, or has a family member that is employed by the Bay County School Board.
www.pefcu.org
Provider of banking services to the communities of Panama City, Pensacola, Fort Walton, Destin, Marianna, Tallahassee, Jacksonville Beach, Orlando and Niceville.
www.peoplesfirst.com
Bank provides a comprehensive range of financial services to individuals, corporations, professional associations, nonprofit organizations and local governments in the Tampa Bay area.
www.peoplesflorida.com
Bank offers Internet banking, personal banking and business banking to the communities in and around Lake City.
www.peoplesstatebankonline.com
Bank provides financial services to the communities of Williston, Chiefland, Inglis and Bronson.
www.perkinsstatebank.com
Provider of banking services to the communities in and around Miami.
www.pnb.com
Provider of personal accounts, personal loans, mortgage products, commercial accounts and commercial loans to the community of Niceville.
www.pnbon.com
Bank offers a blend of products and services that includes commercial mortgage loans, conforming and non-conforming residential mortgages, merchant card services and Internet banking to Boca Raton, Davie and Ft. Lauderdale.
www.regentbank.net
Financial institution provides consumer banking, private banking, business banking, Internet banking, investments and trust services.
www.rjbank.com
Financial institution provides personal banking, business banking, private banking, Internet banking and cash management services to the community of Miami and Hollywood.
www.ssb.org
Provider of personal and commercial banking for Tampa and the surrounding areas.
www.terracebank.com
Bank offers Internet banking, consumer banking and business banking to the residents of Melbourne and the surrounding areas.
www.the-bank.net
Bank offers a range of business and personal banking and financial products and services to the communities of Miami-Dade County.
www.totalbank.com
Bank provides personal banking, business banking and lending services for Flagler and the surrounding areas.
www.transatlanticbank.com
Membership available to anyone who is related to a member, works for the city/county/state/federal government, is a member of the military or is an employee of a designated company.
www.tyndallcreditunion.com
Financial institution offers personal and business deposit accounts and loans to the communities of Dade, Orange and Broward Counties.
www.unibank-usa.com
Independent community bank providing a full range of financial services to individuals, small businesses, professionals and farmers.
www.valricostbk.com
Bank specializes in private client and personal trust services, corporate banking and investment banking.
www.village-banc.com
Bank offers financial services to Zolfo Springs and the surrounding communities.
www.wauchulastatebank.com
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A typical Florida retail bank offers businesses standard business programs for checking, night deposits, lines of credit and loans. Retail banks in Florida provide payroll services, retirement plans, merchant services, corporate credit cards and wealth management. In addition, many Florida retail banks have online services, wire transfers and courier services that make it easier for a company to transact business in real time.
When reviewing Florida consumer banks, consider the following:
1. Compare and contrast the services provided by three or more Florida retail banks;
2. Pick a FL retail bank that is willing to offer you competitive interest rates on commercial loans or lines of credit if you are an existing customer; and
3. Focus your search to the Florida consumer banks incorporated in the state, as those offer the best Florida retail banking services.
Action Steps
The best contacts and resources to help you get it done
Review what Florida consumer banks have to offer
Florida retail banking companies that offer online banking services, such as accounts payable and receivable functions, will attract more businesses than Florida retail banks that only offer limited services on the Internet.
I recommend: BAC Florida Bank and City National Bank of Florida offer online banking services with different business solutions for small businesses and large corporations, customized to fit their needs.
Win rewards with retail banks in Florida
Retail banking in Florida is so competitive that more and more Florida consumer banks are offering customers rewards on transactions that are made with their checking and savings accounts. Some Florida retail banking services allow you to earn monetary credits.
I recommend: Florida retail bank BankAtlantic has a selection of business credit and debit cards that allows customers to earn points for each dollar they spend.
Go with the FL retail bank focused on special service
A small company wants Florida retail banking that enhances profitability and convenience. Most retail banks in Florida offer such options as online banking and bill pay, small business loans and other offerings such as overdraft protection and money market savings accounts.
I recommend: Total Bank is a Florida retail bank with a strong, established history that offers small business the tools that they need to protect their monetary assets and grow their clientele.
Tips & Tactics
Helpful advice for making the most of this Guide
- • Avoid using more than one Florida retail bank for multiple business accounts. You will get a higher level of service and avoid unnecessary holds on your funds by using a single bank for your banking services.
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