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Bundled Financial Solutions

Commercial Banking

save a bundle

WITH BUNDLED FINANCIAL SERVICES


For one convenient monthly fee, take advantage of Univest Prime ® , a comprehensive bundle comprised of discounted products and services designed to save you money. And, you can access up to $100,000 in commercial lines of credit within one day.*


PRIME PRODUCT BUNDLES

BEST FOR BUSINESSES THAT BASIC PREMIUM PROFESSIONAL
WANT OVERDRAFT PROTECTION Overdraft protection
up to $2k
Overdraft protection
up to $5k
Overdraft protection
up to $10k
HAVE DAILY DEPOSITS Deposit up to 2 checks per day Deposit between 5 & 10 checks per day Deposit more than 10 checks per day
INCUR CREDIT CARD EXPENSES Have less than $5k in credit card expenses per month Have greater than $5k in credit card expenses per month Have greater than $5k in credit card expenses per month
NEED A CREDIT LINE Are interested in less than $25k credit line Are interested in a credit line between $25k & $50k Are interested in a credit line greater than $50k
HAVE CYBER RISK CONCERNS Low cyber risk concerns Moderate cyber risk concerns High cyber risk concerns

MONTHLY FEE AS LOW AS

$24.99
$49.99
$74.99
Office desk.


PACKAGE DETAILS


BASIC PREMIUM PROFESSIONAL
Checking Account REQUIRED REQUIRED REQUIRED
Minimum to Open $100 $100 $100
Earns Interest1 blue check mark
blue check mark blue check mark
Per Item Fee $0 $0 $0
eDocuments blue check mark
blue check mark blue check mark
Overdraft Limit2 $2,000 $5,000 $5,000
Overdraft Forgiveness3 blue check mark
blue check mark blue check mark
Free Cashiers Checks4 5/month 10/month 15/month
Basic Online Banking/Bill Pay blue check mark
blue check mark blue check mark
Mastercard® Debit Card blue check mark
blue check mark blue check mark
Non-Univest ATM Fees5 $0 $0 $0

1) Interest rates may vary. 

2) You do not need to request this limit as it is given to qualified account holders automatically; however, you may opt out of this service at the time of account opening or discontinue it at any time by contacting any Univest Financial Center. Overdraft fees apply when the overdraft protection service is used. Fees include a $35.00 per item fee and a $10.00 daily overdraft fee. After 15 consecutive calendar days with a negative balance a notification will be sent to the customer requesting payment or recommending they contact the bank to discuss and set up a payment plan. If after 30 consecutive calendar days the account has not been brought to a positive balance the customer will be notified that the account will be closed in ten (10) calendar days.

3) You will not incur overdraft item fees if your account is overdrawn by less than or equal to the dollar amount noted below after all transactions have been posted for the business day.

  • Basic Package: $25.00 Overdraft Forgiveness
  • Premium Package: $50.00 Overdraft Forgiveness
  • Professional Package: $75.00 Overdraft Forgiveness 
4) A fee of $8.00 will be assessed to each check purchased over the noted number of free checks. 

5) This does not include surcharges imposed from other financial institutions or third-party vendors. 


BASIC PREMIUM PROFESSIONAL
Mobile Deposit 6
blue check mark
blue check mark
Grey x-mark
Remote Deposit Capture 7
Grey x-mark
Grey x-mark
blue check mark
Payment Processing 8
Yes
Yes
Yes

6) Mobile Deposit requires online banking, an Android™ or iPhone® (iPhone version 4 or higher), the Univest Android™ or iPhone® Mobile Banking App and Mobile Deposit activation (some restrictions may apply). Deposited checks must be kept in the customer's possession for a minimum of 90 days before being destroyed. Mobile Deposit for businesses requires a Univest Prime business checking account. Businesses may deposit up to 30 checks per day totaling $5,000.00 with a monthly maximum of 50 checks totaling $25,000.00. The monthly fee of $9.99 is waived with a Univest Prime Package. Connectivity and usage rates may apply. Contact your wireless service provider for more details. Business owners in the Prime Professional Package can substitute Mobile Deposit for Remote Deposit Capture.

7) You will receive a standard single doc scanner with your Univest Prime Package for free (a value of $59.99). 

8) Payment processing is offered through a third-party vendor. Processing fees and other charges may apply. Please speak to a Univest Business Banking representative to learn more. Please speak to a Univest Cash Management representative for more information.


BASIC PREMIUM PROFESSIONAL
Commercial Line of Credit 9
REQUIRED REQUIRED REQUIRED
Credit Limit 10
$3,000-$100,000
$3,000-$100,000
$3,000-$100,000
Annual Percentage Rate(APR) 11
Prime + 3.74%-7.74%
Prime + 3.74%-7.74%
Prime + 3.74%-7.74%
Annual Fee
$0 $0 $0
Overdraft Protection 12
blue check mark
blue check mark blue check mark
Prime Mastercard Debit Card blue check mark  
blue check mark  
blue check mark  
MasterRental Coverage blue check mark
blue check mark blue check mark
Purchase Assurance blue check mark
blue check mark
blue check mark
Extended Warranty blue check mark
blue check mark blue check mark
MasterAssist Services blue check mark
blue check mark blue check mark
Mastercard Easy Savings blue check mark
blue check mark
blue check mark
Mastercard Business Network blue check mark
blue check mark
blue check mark

9) All commercial loan and line of credit applications are subject to approval.

10) Businesses can apply for credit limits up to $75,000.00. Health care professionals can apply for credit limits up to $100,000.00. 

11) Annual Percentage Rate is variable and based on the Prime Rate published in The Wall Street Journal plus a margin. Prime rate is 4.75% as of 01/25/2018. Interest rates vary based on creditworthiness and are subject to change at any time.

12) Your Univest Prime business checking account (operating account) will be linked to your Commercial Line of Credit for overdraft protection. If you overdraw your Univest Prime checking account, available funds from the Line of Credit will automatically transfer to cover the overdraft. Funds will be transferred in increments of $100. Interest will accrue on the outstanding loan balance.

13) Your Univest Prime Mastercard® Debit Card can be used to access available funds from your Commercial Line of Credit. 

14) Univest Prime Debit Card Holders are automatically enrolled. For additional features and benefits of the Univest Prime Mastercard Debit card, please speak with a Univest Business Banking representative.

15) Participation in the Mastercard Easy Savings® Program and Mastercard® Business Network is voluntary. For additional information or to enroll, please speak with a Univest Business Banking representative.


BASIC PREMIUM PROFESSIONAL
Free Gold Checking Account blue check mark  
blue check mark  
blue check mark  
Person-to-Person Funds Transfer blue check mark
blue check mark
blue check mark
QuickView Emails blue check mark
blue check mark blue check mark
Identity Theft Protection Grey x-mark
LifeLock ®  Standard
LifeLock Ultimate
Identity Theft Resolution Support Mastercard ®
LifeLock ®  Standard
LifeLock Ultimate

16) The free Univest Gold Checking Account is a personal checking account offered to business owners who subscribe to a Univest Prime Package. If a business owner cancels the Univest Prime Package subscription and the Gold Checking Account remains open, the account will no longer be free and additional fees can be incurred. The Gold Checking Account requires a $10,000 minimum balance in related checking, savings, money market, CD/IRA, trust and investment account balances to avoid the $5.00 monthly service fee. One free Gold Checking Account per package.

17) For use with the free Gold Checking Account only. 

18) Only one LifeLock subscription per Univest Prime Package. Additional subscriptions are available to business owners and their immediate family at a discounted price. Please speak with a Univest Business Banking representative for further details.

* All commercial loan and line of credit applications are subject to approval. Approval may take longer than a day if additional information/documentation is required.


To subscribe to a Univest Prime Package, you must qualify for, open and maintain a Univest Commercial Line of Credit and Univest Prime Business Checking account. Deposit and loan products, remote deposit capture, remote deposit anywhere, and payment processing services are subject to approval. Standard rates and fees will apply if you close your Univest Commercial Line of Credit or Univest Prime Business Checking account. Information is accurate as of {today}. Terms and conditions are subject to change at any time.

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