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.

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

• 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

Customized credit solutions are available to Private Clients including:

All loans subject to credit approval.

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

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

*Allowed one per cycle