Certificates of Deposit
Portage Commerce Bank offers a wide range of Certificates of Deposit at very competitive rates. Whether you select a 30 day or 72 month CD or any term in between, your funds are FDIC insured. See information on Telephone Banking to obtain current Certificate of Deposit rates.
Individual Retirement Accounts
We offer Certificates of Deposit with the same competitive interest rates for IRA's. With only a $250 minimum you can begin savings for your future financial security today. Roth, Education, SEP and Regular IRA's are available.
Non Profit Organizations
Non profit organizations are not subject to service charges or minimum balance requirements on a NOW checking account.
IOLTA
(Lawyer Trust Accounts) are not subject to service charges or minimum balance requirements on a NOW checking account.
Ready Cash
When you need more money than you have in your Portage Commerce Bank checking account, write yourself a loan. With READYCASH, your checking account has pre-approved line of credit that automatically covers your check up to your credit limit. You can even get a cash advance at our office.
Personal Loan Service
Portage Commerce Bank offers a wide range of individual loan services to meet your financial needs. Lending money is one of the primary functions of our bank and we aim to treat your loan application individually, efficiently and with the highest degree of professionalism.
Mortgage Loan
Portage Commerce Bank offers a wide variety of mortgage loans with expert advice and origination services. We will be happy to assist and provide you with information which will help you to decide what's right for you. Your loan officer will help you through the application process in a friendly and professional manner. Many state-of-the-art tools are at your loan officer's disposal. For Example, Desktop Underwriter, allows the bank to offer an immediate loan decision, usually within one hour; we feature instant rate locks, and top notch support from a staff of underwriting experts.
The application process is made as simple as possible. If you desire, you may call or E-mail us for a "kit" and one will be mailed to you with easy instructions on completing the form. Once complete, you simply call and set up an appointment with your loan officer to go over your application. At this time, you will be asked to bring certain documents with you, such as pay stubs, W2's and bank statements.
Portage Commerce Bank does not charge an application fee. Rates and fees are subject to change daily, but rate locks are available anytime from application up to three days prior to close.
Telephone Banking
Certificate of Deposit rates, account balances, transfers, loan information and on demand fax statements are available 24 hours a day with our free telephone banking service. When you dial the toll free number: 1-866-330-3233 you will be prompted for a two-digit access code, which takes you to the opening menu. The access code is 04.
VISA Debit Card
Portage Commerce Bank offers a VISA Debit Card that can be used just like cash or a check to pay for purchases at merchants displaying the VISA logo. The amount of your purchase will be electronically deducted from your checking account. These transactions will also appear on your monthly statement to help you balance your account.
Bank-By-Mail
Special deposit envelopes are provided to our checking and savings customers.
Personal Money Orders
Portage Commerce Bank has official Personal Money Orders available at all teller stations for amounts up to $500.00.
Cashier's Checks
Portage Commerce Bank has safe, guaranteed Cashier's checks, issued by the bank, available at all teller stations for any amount.
Traveler's Checks
Protect yourself when traveling by purchasing American Express Traveler's Checks. If lost or stolen, you can be reimbursed by any of the 300 world-wide American Express offices, or by any of the thousands of banks that handle American Express.
Foreign Exchange
Portage Commerce Bank will transfer money internationally or order foreign currency for our customers.
Depository for Taxes
Portage Commerce Bank is a designated depository for Federal Withholding and Social Security Taxes.
Direct Deposit of Government Payments
Portage Commerce Bank provides the safe, fast convenient way to deposit your Social Security, Supplemental Security Income, VA Compensation and Pension, Railroad Retirement Benefits, Coal Miners Health Benefits, and Civil Service Annuities.
Credit Card Accounts
Portage Commerce Bank has applications available for credit card accounts. These accounts let you charge at thousands of retail outlets around the world. Cash advances can be processed on the card up to the amount of your line of credit approval.
Wire Transfers
Portage Commerce Bank can wire transfer funds for our customers, the fastest means of moving funds across the country and around the world.
*Subject to credit approval
