Small Business Banking

Business Services

With a Ridgewood Business Banking Account, we’ll support your business and help it grow over time. We offer a range of services designed to help your business run smoothly.

 

For more information, contact us or call our Business Banking Team at (844) 772-4722.

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Our Business Banking Services

  • Merchant Services
  • Payroll Services
  • Loans and Lines of Credit
  • Remote Deposit Capture
  • On-Site Financial Workshops
  • Additional Services

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.

Transfirst
 
*Source:https://www.nerdwallet.com/blog/credit-cards/credit-cards-make-you-spend-more/.**Merchants on certain processing programs are not eligible for next-day funding; funding may be delayed by TSYS’ Credit or Risk departments at any time. Merchants that process less than $1,000,000 in American Express annual charge volume may be program-eligible (certain restrictions and exclusions may apply). All accounts subject to credit approval; some restrictions and exclusions apply to all offerings. Products, services, terms and conditions are subject to change.

With web-based payroll services offered through Newtek®, you can securely manage your payroll at any time, from anywhere. It’s faster and easier, and offers less hassle.

  • Fully integrated web-based time and attendance to manage employee time and vacation requests
  • A dedicated Account Manager, regardless of the size of your business and 24/7 customer support
  • All federal, state, and local taxes, as well as quarterly and annual filings are handled by Newtek
  • Optional 'pay as you go' Workers Compensation coverage helps business cash flow
  • Additional Human Resource functionality available at no extra cost
NewTek

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 $10 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
NewTek

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:

  • Finances
  • 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 money
  • Check account balances
  • View transaction history
  • Receive account alerts

Online Bill Pay

  • Pay your bills anytime, anywhere
  • Set up scheduled payments
  • Review payment history

Mobile Banking

  • Transfer money between accounts
  • Check account balances
  • View transaction history

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 and access images of paid checks.

App Store       Get it on Google Play