Private Client

As Individual as you.

At b1BANK, we have developed a special array of products and services designed to better serve individuals and families who have achieved a certain level of success. We would like to personally invite you to become a member of this elite group.

 

Private Client Login

 

 

Products & Services

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  • Criteria

    To qualify for Private Banking you must meet at least one of the following:

    • $150,000 Individual Annual Income / $250,000 Household
    • $500,000 in Investable Assets (401k, Retirement Accounts, Cash, or Marketable Securities)
    • Net Worth of $1,000,000 per b1BANK Financial Statement

    Additionally, Private Banking members are required to open and maintain a Business First Class deposit product at b1BANK with a minimum balance, at all times, of $10,000 OR a minimum of $25,000 in total combined personal deposits, including Certificates of Deposit, Savings accounts and transaction accounts. If the minimum required deposit balance is not maintained, the Client will be assessed a $15 monthly service charge. Minimum opening deposit is $100.

  • Deposit Services

    A set of high-end deposit options are available to serve the needs of high-net-worth individuals and families.

    Business First Class NOW

    • High-yield interest checking provides convenient, unlimited access to funds
    • $15 Monthly Service Fee. Fee is waived if the balance never falls below $10,000 during a statement cycle.
    • No per-check or withdrawal fee
    • Monthly statements
    • Free specialized Business First Class checks

    Business First Class Money Market

    • High-yield saving with limited check writing
    • $15 Monthly Service Fee. Fee is waived if the balance never falls below $10,000 during a statement cycle.
    • Limited third-party transactions
    • Monthly statements
    • Free specialized Business First Class checks

    Business First Class Debit Card

    • With no ATM fees worldwide
  • Home Equity Loans/Lines

    • 5 year balloon (fixed rate, 20 year amortization)
    • 10 year balloon (fixed rate, 20 year amortization)
    • Interest-only option on HELOC (variable rate)
    • Favorable rates and terms with discounted closing costs
  • Credit/Other Products

    Customized credit solutions are available to Private Clients including:

    • Unsecured lines of credit
    • Auto/boat loans
    • Lot Loans
    • Construction loans
    • Bridge loans

    All loans subject to credit approval.

  • Mortgage Products

    Private Client members have access to a variety of portfolio mortgage products. Current offerings include the following:

    Mortgage Loans

    • Discounted origination fees for Private Clients
    • Only the most experienced and knowledgeable Mortgage Originators service Private Client mortgage applicants
    • These originators are empowered to provide Private Clients top-of-queue service supported by underwriting that receives top priority
  • Insurance Products

    There is a wide array of insurance products available. The insurance team can assist with exploring your needs and customizing solutions.

  • TIER ONE AND TIER TWO BENEFITS

    Private Client Benefits      Tier One      Tier Two
    Online Banking      Yes      Yes
    Bill Pay Service      Yes      Yes
    Online Statements      Yes      Yes
    Exclusive Private Banking Checks      Yes      Yes
    Free Stop Payments*       Yes
    Official Checks and Money Orders (Fees Waived) Yes
    Free Domestic Wire Transfers* Yes
    Overdraft Protection Services Available Yes Yes
    Private Banking Debit Card Yes Yes
    Exclusive Debit Card Limits ($2,000 ATM, $9,000 POS) Yes Yes
    No ATM Fees Worldwide Yes Yes
    Mobile Banking with Deposit Capture Yes Yes
    Exclusive MRDC limits ($10,000 per day, $40,000 per 30-day period) Yes
    Exclusive MRDC limits ($25,000 per day, $100,000 per 30-day-period) Yes
    Private Banking Credit Card - Approval Required Yes Yes
    Preferred Rates and Terms on Deposits and Loans Yes Yes
    Wealth Solutions Consulting Services Yes Yes

    *Allowed one per cycle