Your Bridge to Growth

1. Bridge to Growth (“BTG”) is a suite of banking products and services specifically designed for start-up technology and innovation companies who have not raised institutional equity rounds of funding.  Eligibility requirements apply to BTG and all client participation is subject to Bank approval. BTG benefits are available for 3 years from the date the BTG Analyzed Business Checking Account is opened or until the client has obtained institutional funding, whichever occurs earlier (“BTG Introductory Period”). Following the expiration of the BTG Introductory Period, standard rates and fees, as disclosed in the then-current Analyzed Business Checking Account Information and Fee Schedule, will apply.  BTG Analyzed Business Checking Account is a non-interest bearing account and BTG clients are ineligible to receive earnings credits on the BTG Analyzed Business Checking Account during the BTG Introductory Period. Additional fees or charges may apply based on the products or services selected. Please contact your Relationship Manager for additional details. 
2. Monthly maintenance fees, excluding ZBA Master fees, online wire transfer fees, mobile deposits and ACH transactions are waived during the BTG Introductory Period. Other fees or charges may apply based on the products or services selected. Mobile deposits and ACH origination require enrollment in Business Online Banking. Some products and services may be subject to prior approval or fees. Funds deposited through Mobile Deposit are subject to the Bank’s funds availability policy as outlined in the Deposit Account Agreement and Disclosure.  Refer to disclosures provided at account opening and the Business Schedule of Fees and Charges for additional information.
3. Business Mobile Banking apps are available to all online banking customers. Features may vary based on device type. No additional fees to download the app; however, use of some features may incur charges. Mobile carrier message and data rates may apply.
4. All offers of credit are subject to credit approval. Commercial credit cards are issued byWestern Santander Bank pursuant to a license from Visa® USA Inc.
5. Offer only available to newWestern Santander Bank customers who qualify and are approved for BTG benefits. Must open a BTG Analyzed Business Checking Account and a BTG Money Market Account (“MMA”) on or after July 1, 2022 to qualify for the promotional rate. The BTG MMA is a tiered rate interest-bearing account unless otherwise stated. A 3.50% interest rate (3.56% Annual Percentage Yield (“APY”)) is available for MMA deposit balances in the balance tier of $1,000,000.00 to $5,000,000.00. A 2.00% interest rate (2.02% APY) is available for MMA deposit balances in the balance tier of $5,000,000.01 to $10,000,000.00.  Contact your Relationship Manager for the most current rates on deposit balances in the balance tiers of less than $1,000,000.00 and over $10,000,000.00. Rates are accurate as of July 1, 2022. The promotional interest rate and APY on the BTG MMA may change at any time. New accounts will be eligible for the promotional rate for 12 months from the date the BTG MMA is opened. You must deposit and maintain a balance for the respective interest rate tier in order to earn the disclosed rate for that tier. The daily balance method is used to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you may not receive the accrued interest. This account is on a monthly statement cycle. Offer ends on June 30, 2023. Offer may be modified or withdrawn without notice.
6. Fees and/or withdrawals could reduce the earnings on the account. Withdrawal transaction limits apply.  For additional terms and conditions, please refer to the Deposit Account Agreement and Disclosure provided at account opening.
7. Offer only available to newWestern Santander Bank customers who qualify and are approved for BTG benefits. Must open a new BTG Analyzed Business Checking Account on or after July 1, 2022, deposit funds into the account within 30 days of account opening, and maintain an average monthly balance of $250,000.00 for 3 months following account funding to receive a one-time bonus in the amount of $1,000. The three-month qualification period starts the first day of the month following the date of account funding. Your account must be open when the bonus is credited. The bonus will be provided 60 days after client meets the requirements outlined above and credits to the qualifying BTG Analyzed Business Checking. The value of this bonus will constitute taxable income to you. To the extent required by law,Western Santander Bank may withhold tax or other amounts from the payment. Please consult your tax advisor, as neitherWestern Santander Bank, its subsidiaries or affiliates, nor their employees provide tax advice. Offer ends on June 30, 2023. Offer may be modified or withdrawn without notice. For additional terms and conditions, please refer to the Deposit Account Agreement and Disclosure provided at account opening.