Create a loan package tailored to you needs with our expert lending team.

At MountainOne Bank, we understand business. And we judge our success by the success of our clients.

Our team understands the local market and local industries. We bring years of expertise in serving the banking needs of local businesses and offer customized solutions to help your business succeed. We like to get to know you and your company, and provide you with a personalized selection of banking accounts and services that will work best for you.

And, you’ll have a dedicated relationship team you can count on. When you work with us, you’ll see that MountainOne isn’t just a bank. It’s people – who happen to be experts in commercial banking.

 

Community Partner Checking

Pinnacle Business Checking

VISTA Business Checking1

Ideal For

Non-profit organizations that want to earn interest on their accounts. Includes 100 free transactions per month

Smaller businesses that will have fewer than 250 transactions per month

Large businesses that will have more than 250 transactions per month, who also want special additional benefits.

Opening Deposit

$25

$250

$100

Monthly Service Charge

No

No

$15

Earnings Credit

No

No

Earnings credit on balances to offset Monthly Service Charge

Transaction Fees

First 100 free, $.40 per transaction thereafter

First 250 free, $.25 per item thereafter

Unlimited items

Online Banking with Bill Pay

Free

Free

Free

Mobile Banking

Free

Free

Free

Debit Card

Free

Free

Free

 

Use Apple Pay with your MountainOne Bank Visa debit card.
Click to learn more.

ATMs

 

 

We’ll rebate other bank's fees (surcharges), up to $12 per month2

Other Benefits

 

 

VISTA Checking comes with a companion Money Market Account.

1$100 opening deposit required to open VISTA Business Checking. $100 opening deposit required to open VISTA Business Money Market. Both accounts required. 2We will not charge you to use our ATMs or other bank ATMs; if another bank's ATM is used and a fee (surcharge) is charged by them, we will rebate up to $12 at the end of the month.

The expertise you need. The personal service you deserve. Experience the MountainOne Bank difference.

Call us at
855-444-MTN1 (6861) or
stop by one of our bank branches to open an account today. 

You can now use Apple Pay with your MountainOne Bank Visa debit card.

Click to learn more.

Making your debit card more secure with Chip Card technology.

> Click to learn more.

Running a successful business requires getting the most from every dollar.

At MountainOne Bank, we offer solutions to help you get more out of your savings.

Money Market accounts allow you easy access to your funds, while still earning a great rate. They’re a great way to build a buffer for unplanned expenses or to save for a special purchase for your business. And you can access your funds anytime, through our free Online Banking and Mobile Banking services.

Ultimately, what you want from any savings account is competitive returns and peace of mind. That’s exactly what MountainOne Bank offers. Your balances, no matter how large, are fully protected by both FDIC and DIF insurance. 

 

Pinnacle Business Money Market

VISTA Business Money Market

Opening Deposit

$250

$1001

Balance to Earn Interest

$1

$1

Current Rates

Click for rates

Click for rates

Rate Tiers

$1 - $4999
$5,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $250,000

$1 - $4999
$5,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 and Above

Online Banking

Free

Free

Mobile Banking

Free

Free

ATMs

 

We’ll rebate other bank's fees (surcharges), up to $12 per month2

Ability to write checks

No

Free transfer of funds to your VISTA Checking to write checks (6 transfers per month) 3

Other Benefits

 

VISTA Money Market comes with a companion Checking Account.

1$100 opening deposit required to open VISTA Business MoneyMarket. $100 opening deposit required to open VISTA Business Checking. Both accounts required. 3Monthly Money Market Account transfer limits apply.

The expertise you need. The personal service you deserve. Experience the MountainOne Bank difference.

Call us at
855-444-MTN1 (6861) or
stop by one of our bank branches to open an account today. 

Control and maximize your business cash flow with Business Cash Management.

Cash Management services help you control and maximize your business cash flow. Our experienced professionals can help you select the best cash management solutions so you can expedite collections, disburse and maximize funds more efficiently, and gain immediate access to the information you need to make critical business decisions.

Account Access

  • Online Banking: With real-time, secure access to your accounts online, you can view balances and activity, transfer funds, and much more. You can also set up administrators with specific account and transaction access.
  • Mobile Banking: Use your smartphone to keep track of your business banking activity on the go.
  • Debit Cards: Obtain multiple debit cards for your business accounts, allowing you and your designated employees to make business purchases.

Collection

  • ACH (Automated Clearing House): Electronically originate transactions, including collection of funds from individuals and companies.
  • Deposit Partner (Remote Deposit): Deposit checks right from your office computer, 24/7. With a desktop scanner, you can capture check data and images, then securely transmit this to the bank. Small businesses can also use our easy Mobile Deposit service when making just a few deposits per month.
  • Merchant Services: Accept customer payments via credit card, online, and smartphone. We’ve partnered with Elavon to give you a host of tools to offer more payment options to your customers and keep their information safe along the way.

Disbursement

  • ACH (Automated Clearing House): Generate electronic payments, such as payroll direct deposit, including the ability to set up handy templates.
  • Tax Payments: Pay your federal and state taxes quickly and securely through Online Banking.
  • Wire Transfers: Securely transfer funds anywhere. Depending on when you make the transfer, business funds could be available the very same day.

Investment

  • Sweep Accounts: Automatically transfer funds above a target balance from your business Checking account at the close of business each day. Excess balances are automatically transferred into an FDIC-insured overnight investment account.
  • Money Market Accounts: Money Market accounts allow you easy access to your funds, while still earning a top market rate. They’re a great way to build a buffer for unplanned expenses or to save for a special purchase for your business.

Contact us to learn more about any of these Business Cash Management options.

855-444-MTN1 (6861)

When you bring your business borrowing needs to MountainOne, you gain more than just financing. You gain our extensive knowledge of the local market.

We understand the varying needs of different industries in Eastern and Western Massachusetts and neighboring communities. We also know how important financing is to an organization’s success, whether it’s a sole proprietorship or a 500-employee company.

We can help you with:

  • Asset Purchases/Term Financing
  • SBA (Small Business Administration) Loans
  • Vehicle or Equipment Loans
  • Lines of Credit 
  • Real Estate Loans
  • Construction Loans
  • Letters of Credit

Meet our lending team

Tim Rhuda
Senior Vice President, Commercial Lending
Rockland, MA
Judith Cogan
Vice President, Commercial Lending
Rockland & Quincy, MA
Matthew Kreiser
Vice President, Commercial Lending
Rockland, MA
Tracy McConnell
Vice President, Commercial Lending
North Adams, MA
Brian McDavitt
Vice President, Commercial Lending
Rockland, MA
Kevin McGowan
Vice President, Commercial Lending
Rockland, MA
Joel Scussel
Vice President, Commercial Lending
Pittsfield, MA
Liz Trifone
Vice President, Commercial Lending
Danvers, MA

Some of our recent deals

Bridgewater, MA
$500,000
Line of Credit
Plumbing Supply Company
East Boston, MA
$3,200,000
Commercial Mortgage
Real Estate Investor
Danvers, MA
$850,000
SBA RLOC and Working Capital Term Loan
Construction Contractor
North Adams, MA
$1,750,000
Commercial Real Estate Mortgage
Investment Property

View more deals >>

Preferred lender status means streamlined SBA Loan processing.

MountainOne Bank has been designated a “Preferred Lender” by the U.S. Small Business Administration (SBA). Under the Preferred Lenders Program (PLP), SBA lenders that generate significant loan volume are able to provide qualified small business borrowers with expedited loan approvals.

MountainOne Bank participates in the following SBA lending programs: 7(a) Guaranty Program; Express; Patriot Express; SBA 504 Loans; and the Lender Advantage Loan Program. 

To qualify for SBA financing, borrowers must:

  • Operate on a for-profit basis
  • Be either U.S. citizens or provide a verified “green card” status
  • Not exceed size standards set by the SBA
  • Be of good character and pass the SBA personal resource test
  • Possess management ability and have experience in their field 
  • Demonstrate repayment ability

All loans subject to credit approval.

Allow us to create a loan package tailored to the specific requirements of your business.

We’ll work to get you the financing you need to not only sustain your business, but prosper.

Speak to a lending professional today.
855-444-MTN1 (6861) 

Manage your cash simply and securely through any computer or mobile device.

Business Online and Mobile Banking provides you with easy, secure, anytime access to your business accounts. Services can be tailored to meet your organization’s needs, such as designating your employees to have full or partial access.

Business Online Banking and Bill Pay

To get started with Business Online Banking, just stop by your favorite branch office, where we’ll help you with the online authorization process and obtain the necessary signatures.  Or, we can come to your business to help get you signed up.

Once you’ve signed up and successfully logged in, you can access your account information anytime. You and your designated employees will be able to:

  • View balances and transactions
  • Use Bill Payment
  • Transfer funds between your accounts and banks
  • Create and send electronic files such as payroll or other ACH files
  • Initiate domestic and international wires
  • View and print statements and check images
  • Authorize employees to process transactions
  • Customize account alerts and approvals
  • Download account information to Quicken® and QuickBooks™ with the option of using the faster, easier Direct Connect process

Business Mobile Banking Services

Once you’ve signed up for Online Banking, you can also use free MountainOne “Business Mobile Professional” to bank with us 24/7. Just visit MountainOne.com on your smartphone browser and click on “Login to Mobile Professional” to gain access to your business accounts. You'll be able to:

  • View balances and make transfers
  • Use Bill Payment
  • Transfer funds between your accounts
  • Access most of the same information and transactions that are available in Online Banking, with the exception of drafting, approving, and cancelling ACH and Wire transactions

You can also access limited business account information and services with the “MountainOne” mobile app, available in the Apple or Android app stores.

For more information, stop by or contact us.

For sign up information,
stop by or contact us.

Online Banking offers detailed "Help" on every screen. If you find you still need assistance, give us a call during business hours at 855.444.6861 (MTN1).

FAQs