Personal Banking: We offer our personal banking customers an assortment of
account products including noninterest and interest-bearing checking, savings,
money market and certificate of deposit accounts. Overdraft protection is also
available with direct links to the customer’s checking account. Personal
banking customers are also provided with a variety of borrowing products including
fixed and variable rate home equity loans and lines of credit, home mortgages
for purchases and refinances, personal loans, and other consumer loans. Eligible
personal banking customers with checking accounts are provided a Visa® Debit
Card which can be used both to make purchases and as an ATM card. A variety
of Visa® Credit Cards are also available to eligible personal banking customers.
Online Banking
Columbia Bank’s Premier Personal Online Banking provides simple navigation,
access to important information and frequently used features, as well as the
foundation for a best-in-class mobile banking solution. Our online banking service,
Columbia OnlineTM, provides our personal banking customers with the ability
to safely and securely conduct their banking business 24 hours a day, 7 days
a week.
Business Banking: A variety of checking, savings, interest bearing money market
and certificate of deposit accounts are offered to business banking customers
to satisfy all their banking needs. In addition to these core banking products,
we provide a breadth of services to support the complete financial needs of
small and middle market businesses including Cash Management, Commercial Lending,
International Banking, Merchant Card Services, Business VISA® Debit and
Credit Cards and Wealth Management.
Treasury Management
Columbia Bank’s diversified Cash Management Programs are tailored to meet
specific banking needs of each individual business. We combine technology with
integrated operations and local expertise for safe, powerful, flexible solutions.
Columbia customers, of all sizes, choose from a full range of transaction and
Cash Management tools to gain more control over and make more from their money.
Services include Commercial Online Banking, Positive Pay fraud protection, Automated
Clearing House (ACH) payments, and Remote Deposit Capture.
Our Cash Management professionals work with businesses to find the best combination
of services to meet their needs. This customized, modular approach ensures their
business banking operations are cost-effective now, with flexibility for future
growth.
Commercial Lending
We offer a variety of loan products tailored to meet the various needs of business
banking customers. Commercial loan products include accounts receivable and
inventory financing as well as Small Business Administration (“SBA”)
financing. We also offer commercial real estate loan products for construction
and development or permanent financing. Real estate lending activities have
been focused on construction and permanent loans for both owner occupants and
investor oriented real estate properties. Commercial banking has been directed
toward meeting the credit and related deposit needs of various sized businesses
and professional practice organizations operating in our primary market areas.
International Banking
Columbia Bank’s international services division offers a range of financial
services to help our business customers explore global markets and conduct international
trade smoothly and expediently. We are proud to provide small and mid-size businesses
with the same caliber of expertise and personalized service that national banks
usually limit to large businesses. Our experience with foreign currency exchange,
letters of credit, foreign collections and trade finance services can help companies
open the door to new markets and suppliers overseas.
Merchant Card Services
Business clients that use Columbia’s Merchant Card Services have the ability
to accept Visa®, MasterCard®, American Express® and Discover®
sales drafts for deposit directly into their business checking account. Merchants
are provided with a comprehensive accounting system tailored to their needs,
which includes month-to-date credit card deposit information on a transaction
statement. Internet access is available, allowing business customers to review
merchant statements and authorized, captured, cleared and settled transactions.
Columbia offers state-of-the-art point of sale solutions to suit our customers’
needs for card acceptance, including terminals, mobile platforms, virtual terminals
and on-line applications.
Business VISA® Debit and Credit Cards
Our business banking customers are offered a selection of Visa® Cards including
the Business Debit Card that works like a check wherever Visa® is accepted.
We partner with Elan Financial Services to offer a variety of Visa® Credit
Cards that come with important business features including award-winning expense
management tools, free employee cards and added security benefits. A specialty
community card for nonprofit organizations and municipalities is also available.
Wealth Management: We offer tailored solutions to high net-worth individuals,
families and professional businesses in the areas of private banking, professional
banking, financial services and trust and estate services.
CB Financial Services
Located at Columbia State Bank, CB Financial Services, offers a comprehensive
array of financial solutions that focuses on wealth management by delivering
personalized service and experience through dedicated financial advisors serving
various geographical areas.
Comprehensive solutions include:
Individual and Business Retirement Solutions: 401(k) plans, SEPs, IRAs, SIMPLE,
Profit Sharing, Non-Qualified Deferred Compensation Plans, Money Pension Plans,
Exit Planning Strategies.
Insurance Solutions: Long-Term Care, Disability, Life Insurance (Key Man Life
Insurance, Buy-Sell Agreements).
Wealth Management: Professional Asset Management, Strategic Asset Allocation,
Fixed Income (Bond) Investing (Municipal, Corporate, Government), Exchange Traded
Funds (ETFs), Annuities, Mutual Funds, Equities.
Financial Planning: Asset Allocation, Net Worth Analysis, Estate Planning &
Preservation(2), Education Funding, Wealth Transfer.
Private Banking
Columbia Private Banking offers affluent clientele and their businesses complex
financial solutions, such as deposit and cash management services, credit services,
and wealth management strategies. Each private banker coordinates a relationship
team of experienced financial professionals to meet the unique needs of each
discerning customer.
Professional Banking
Columbia Professional Bankers are uniquely qualified to help medical and dental
professionals acquire, build and grow their practice. We offer tailored banking
and investment solutions delivered by experienced bankers with the industry
knowledge necessary to meet their business’s unique needs. No matter what
the needs are now or in the years to come, we guide professionals through all
their financial options to make their banking as easy and personal as possible.
Trust and Investment Services
We offer a wide range of high quality fiduciary, investment and administrative
trust services, coupled with local, personalized attention to the unique requirements
of each trust. Services include Personal Trusts, Special Needs (Supplemental)
Trusts, Estate Settlement Services, Investment Agency and Charitable Management
Services.
Our highly skilled and experienced professionals are fully dedicated to providing
the information, diligence and care to help our customers achieve their financial
goals and plan for a better future.