Our Business Banking Services
- Merchant Services
- Loans and Lines of Credit
- Mobile Deposit
- On-Site Financial Workshops
- Digital Banking
TSYS® Merchant Solutions...Payment Processing That Fits Your Business
Whether you accept payments online, over the phone, in-store, or on the go, we have a solution that’ll fit your business.
Accepting credit cards can increase your revenue. On average, customers spend 12 to 18 percent more with their credit card than cash.* So, if your business sells $500 worth of product a day, you’re missing out on $90 of potential revenue—that’s potentially $35,550 a year by not accepting credit cards.
We’ve teamed up with TSYS, one of the nation's leading providers of payment processing services. Its innovative and efficient payment processing solutions are designed to help grow your business and boost your bottom line. TSYS offers amazing merchant benefits, like:
- Accept EMV® chip cards, magstripe cards, ACH, UnionPay®, verify checks and contactless payments
- Next-day funding available**
- Customers can pay with their preferred card—accept all major card brands at the same rate
- A quick and easy electronic application process
- 24/7, U.S.-based merchant support
- Insightful cloud-based reporting
Ready to find the right solution for your business? Get started today.
Through Newtek Business Finance Solutions, qualified applicants can receive working capital or financing to help their business thrive. Newtek's experienced specialists will guide you through the process and clearly explain various lending options to determine the best fit.
- Financing from $50,000 to $15 million
- Flexible terms with longer maturities, compared with conventional loans
- Competitive interest rates with low down-payment requirements
- Reasonable collateral requirements & Pre-qualification within 48 hours for qualified applicants
- Working capital purposes
- Meet payroll needs & pay taxes
- Micro Term Loan
- Business Loans $1,000 to $25,000
- No Collateral Required
- Must have at least 1 tax return and FICO score over 650
Ridgewood Savings Bank Remote Deposit Capture is an easy and convenient program that allows nearly every business of every size to deposit checks electronically - without having to go to the bank.
- Deposit check payments as soon as you receive them for faster funds availability.
- View Deposits 24/7 with access to view all check images and reports on your deposits online.
- Consolidate business banking with one bank, Ridgewood Savings Bank.
- Save money and time from unnecessary trips to the bank for daily deposits.
- Increase office efficiency with automated payment posting into your accounts receivable system
For more information, contact us or call our Business Banking Team at (844) 772-4722.
Ridgewood offers in-person workshops to teach you and your employees all about the ins and outs of the banking world. Workshop topics include:
- Health care
- Useful tools for your small business
For more information, contact us or call our Small Business Banking Team at (844) 772-4722.
To register for any of our upcoming workshops, use the RSVP button to send us a message. Please include your name, contact information, the name of your business and the number of attendees in your group.
Boost your business with the help of Ridgewood Savings Bank. From everyday operations to large projects, we provide 24/7 access to the services you need to grow.
Free Online Banking
- Transfer funds between Ridgewood accounts
- Establish multiple users with different access privileges
- View and access unlimited business accounts
- Receive account alerts
Online Bill Pay
- Pay your bills anytime, anywhere
- Set up scheduled payments
- Review payment history
- Enjoy all the convenient features of Mobile Deposit, including increased efficiency and accuracy*
- Deposit checks from wherever you are using the Ridgewood app on your phone or tablet
- Deposit up to $3,000 a day and up to $10,000 a month**
Mobile Banking App
The Ridgewood Mobile Banking App lets you bank anywhere, anytime. You can check account balances, receive text notifications, transfer funds, pay bills, view transaction history and access images of paid checks.
*The Ridgewood Savings Bank Remote Deposit Capture service is available upon the submission and approval of an application. Terms and conditions apply, including certain restrictions on the types and amounts of checks permitted through the service, and such terms and conditions and deposit limits may be changed at any time without notice. Certain internet browser requirements apply to use the service. Use of the service may be suspended or terminated in certain circumstances. Contact the Bank for further information. **There is no fee for up to five mobile deposits per business day and up to 50 mobile deposits per calendar month. An additional fee will apply to each mobile deposit exceeding these limits. There is a limit of $3,000 in mobile deposits per business day, and a limit of $10,000 in mobile deposits per 30-day period. The 30-day period commences with a mobile deposit; the next 30-day period commences with the first mobile deposit after the expiration of the prior 30-day period.