Built by business owners, committed to the community.

July 23, 2026

 

For more than 100 years, local businesses have helped define the neighborhoods that make New York unique. From family-owned restaurants and retailers to contractors, healthcare providers, professional service firms, and manufacturers, small and mid-sized businesses continue to serve as the economic engine of our communities.

That story is also part of Ridgewood Savings Bank's history.

Founded in 1921 by local residents and small business owners who recognized the need for a trusted financial institution dedicated to serving their community, Ridgewood Savings Bank was built on a simple idea: when individuals, families, and businesses have access to reliable financial services, entire communities benefit.

More than a century later, that commitment remains unchanged.

As communities grow and evolve, so do their financial needs. Families save for a first home, individuals plan for retirement, nonprofits work to advance their missions, and businesses seek opportunities to expand and create jobs. Through it all, community banks play an important role by providing the products, services, and personal guidance that help people achieve their goals.

For business owners, having access to the right financial tools can make a meaningful difference. Whether you're opening your first location, managing a growing workforce, investing in equipment, or planning your next expansion, the right banking relationship can help position your business for long-term success.

The needs of a growing business change over time. A startup may be focused on opening its first account, while an established company may be looking to improve cash flow, automate processes, or finance expansion. Ridgewood's business banking solutions are designed to support those goals every step of the way:

• Business Checking Accounts for managing payroll, paying vendors, handling operating expenses, and keeping business finances organized.
• Business Money Market Accounts for earning interest on reserve funds while maintaining access to cash when opportunities or unexpected expenses arise.
• Merchant Services allow customers to pay by credit card, debit card, mobile wallet, or online, helping businesses get paid faster and more conveniently.
• Business Online and Mobile Banking provides 24/7 access to account information, transfers, alerts, and account management tools wherever business takes you.
• Mobile Deposit Services allows businesses to deposit checks without making a trip to the branch, saving valuable time during the workday.
• Business Credit Cards help to manage expenses, track purchases, and separate business spending from personal finances.
• Business Loans and Lines of Credit provides flexible financing for equipment purchases, inventory needs, expansion projects, and working capital.
• Commercial Real Estate Financing help businesses purchase, refinance, renovate, or expand owner-occupied properties.

While technology continues to transform the way people bank, one thing remains constant: the value of trusted relationships. Customers want more than products and services. They want a financial institution that understands their goals, appreciates the challenges they face, and is invested in the success of the communities it serves.

As New York's largest mutual savings bank, Ridgewood Savings Bank remains committed to helping individuals, families, businesses, and nonprofits thrive through personalized service and financial solutions designed to meet their evolving needs. Because when our customers succeed, our communities grow stronger.

To learn more about Ridgewood Savings Bank's Business Banking solutions, visit your local branch, connect with a member of our Business Banking team, or explore our business banking resources online.

Visit your local branch or connect with one of our Business Banking team to learn how we can help your business move forward with confidence.

 

This blog is for informational purposes only. Loan products and services are subject to credit approval. Products, terms, and conditions are subject to change. Member FDIC.