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Business Banking

BUSINESS CREDIT AND DEBIT CARDS

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Pine Country Bank offers several credit and debit cards with different features to meet your business needs. Find the card that’s right for you and your business.

Credit Cards

Our business credit cards make it easy to separate business expenses, manage cash-flow and track spending with the added bonus of great rewards. Need cash back? Want to be able to use rewards on merchandise, travel, cash back and gift cards from popular retailers? Need a low interest rate? Now you have a choice. Whatever your needs, we have business and personal credit cards that will work for you.

No matter which card you choose, you’ll enjoy important features like:

  • Award-winning expense management tools
  • Free employee cards
  • EMV smart chip technology for added security
  • Mobile purchasing for added convenience

Let’s get started…

Earn valuable rewards.

Visa® Business Platinum Card
  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards
Learn More and Apply Here
Visa® Business Cash Card
  • 3% cash back1 on eligible net purchases from office supply stores, phone and TV services2, 4
  • 2% cash back on eligible restaurant and gasoline net purchases1
  • 1% cash back on all other eligible net purchases1
  • $25 cash back awarded after first purchase3
Learn More and Apply Here
Visa® Business Real Rewards Card
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No caps or limits on the number of points you can earn, and you have five years to redeem for rewards4
  • 2,500 bonus rewards points awarded after first purchase3
Learn More and Apply Here
Visa® Business Rewards PLUS Card
  • Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 bonus rewards points after you spend $2,000 in the first 3 months3
  • No caps or limits on the total cash back you can earn, and you have five years to redeem for rewards4
Learn More and Apply Here

1 - Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 - Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3 - First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

4 - The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 - Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 - Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.


Pine Country Bank has partnered with Elan Financial Services to provide several Visa® credit card options.

For existing Elan customers, access your account here. Questions? Contact us.

Debit Card

Our MasterCard Business Debit Card is best for businesses that want quick access to all your business checking funds.

 

  MasterCard™ Business Debit Card
Best for you if you want Quick access to all your business checking funds
ATM Withdrawal n/a
ATM Balance Inquiry
ATM Account Transfer n/a
One-Time Set-Up Fee $0
Monthly Service Fee $0
ATM Transaction Fee n/a
Foreign ATM Transaction Fee n/a
Additional Cards $10/card


To locate an ATM, visit SHAZAM 

Merchant MasterCard®/Visa® program

Having the ability to accept credit card payments from customers can be a critical part of running your business. Pine Country Bank can assist you in getting set up, contact us to get started.

Lost or Stolen Cards

Credit: Call 1-800-558-3424

Debit: If your card has been stolen or if you have lost your card, follow this link for instructions.