ECR or Interest? Which of these profiles fits your company?



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Green Bank plants gardens at Haven of Hope House of Houston.

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Niche Business Saves by Moving to Green Bank


$1,260 in annual bank service fees were erased by moving savings to Green Bank and by keeping an average investable balance of $85,500.  With the addition of a desk-top check scanner, nearly three hours worth of trips to the bank were eliminated each month.


Niche Business provides translation services for international companies and offers cultural training for employees preparing for ex-pat work assignments.

A successful company offering focused services, the firm has kept an average ledger balance of $85,500 for the last 12 months.  Their national bank was offering an earnings credit rate of .20 %.

The firm makes approximately 25 deposits, 40 credits and issues 100 checks/debits per month. One or two times per month, the firm will receive a domestic wire transfer.  Generally, New Business paid $80 per month in service fees and made weekly deposit runs.

Green Bank Solution:

Green Bank currently offers a 1.0% earning credit rate.   By maintaining $85,500 on deposit, the firm is able to offset up to $63 in monthly service fees.

To greatly reduce trips to the bank, Green Bank now provided a check scanner--all check deposits are made from the office and post the same day if deposits are made by 6:30 pm.

Growing Business Bypasses Sprouting Monthly Fees


Growing business uses earnings credits to offset $388 in monthly fees—or nearly $4,500 a year.


A sheet metal fabricator for natural gas production equipment, Growing Business has hit gold in recent years.  Monthly average investable balances weigh in at $160,000; surprisingly, the firm received a modest .25% earnings credit rate from their Houston-based bank.   

Booming profits also meant gusher bank service fees in recent years to cover nearly 1,200 checks/debits per month.  With a specialized client base, monthly revenue is usually collected through a manageable 24 deposits and 42 transits.

Green Bank Solution:

With an earnings credit rate 400% the market average, Growing Business will now save handsomely on annual bank fees.   

Keeping their average collected balance at $340,000 will cover monthly service fees.  Growing Business was also able to use the deposits to negotiate better terms for a line of credit.

Green Bank has a new way of looking at the world around us—this affects how we service executive-level customers and how we help you maximize your reserve funds.

Mid-Cap Company Simplifies to Make Saving Easy


Complicated Finances now earns an additional $17,500 a year in interest income while the lion’s share of deposits is protected by FDIC insurance.


A $3.8-million industrial construction company, Complicated Finances has built sizable operating and reserve accounts, totaling nearly $2 million.  Under recommendation from local bank known for small business acumen, the firm kept $260,000 in DDA accounts and an additional $1.9 million in money market accounts.

With the sizable deposits, Complicated Finances never expected to pay monthly service fees.  The firm was averaging a disappointing annual interest income of $14,500.

Green Bank Solution:

 FDIC guidelines allow money in non-interest bearing accounts to be covered without limit.  Green Bank recommended that $1.75 million be moved to total safety and initiated a compensating balance CD.  $250,000 is placed in a FDIC-insured CD that pays 5.00% and $1, 750,000 is placed in a non-interest bearing account.  

  • The $250k CD generates $1,041 a month.
  • The $1.75 million produces an earning allowance of nearly $2,187.50 each month, this eliminates the bank fees Mid-Cap was accustomed to paying.  
  • Plus, the builder has the peace of mind knowing that all of its deposits are fully covered by the FDIC.

Green Bankers think outside the box.  Flexible, we’re able to develop solutions that leave other banks in the dust.