Introducing Keystone Bank Credit Cards
Keystone Bank is proud to announce the availability of three new card options: Platinum Card, Platinum Cash Back Rewards Card, and Purchasing Card.
Benefits You'll Love
- Contactless and EMV chip enabled card
- Apple Pay, Samsung Pay and Google Pay supported
- Visa Zero Liability - you only pay for purchases you have authorized on your card, and unauthorized purchases are not the customer’s responsibility.
Ideal For:
Organizations that want a single card program for any type of spend, from travel to everyday business expenses.
Benefits
- Overall corporate limit with unlimited amount of authorized user cards.
- A unified card program for all your expenses.
- Easy-to-manage spending control through an easy to use mobile app.
- Streamlined, automated processes.
- Supports single-use accounts for additional controls within the online tool.
- Tailored to meet the needs of middle-market business customers.
- Convenient mobile receipt capture functionality.
- Statements are consolidated with one payment due each month. Courtesy statements are also provided for each individual user.
Card Details
- No annual fee.
Subject to credit approval. Products are subject to additional terms and conditions and/or fees.
Ideal For:
Organizations that want a single card program for any type of spend, from travel to everyday business expenses, earning cash back on all purchases.
Benefits
- 1% cash back on all purchases, up to $1,000 annually. Cash back is issued as an automatic credit to the credit card account each quarter.
- Overall corporate limit with unlimited amount of authorized user cards
- A unified card program for all your expenses.
- Easy-to-manage spending control through an easy to use mobile app.
- Streamlined, automated processes.
- Supports single-use accounts for additional controls within the online tool.
- Tailored to meet the needs of middle-market business customers.
- Convenient mobile receipt capture functionality.
- All business accounts have access* to a custom mobile app for online expense management.
*Initial invitation required with link to site for registration. If an invitation is not received Keystone Bank will send as requested.
Card Details
- $79 annual fee.
Subject to credit approval. Products are subject to additional terms and conditions and/or fees.
Ideal For:
Organizations that want to simplify and manage their business-to-business purchases, such as office equipment, supplies and computer hardware or software.
Benefits
Improve efficiency, reduce costs, and have a greater visibility into expenses and procurement.
- Restrict cards at the individual level by merchant category, daily and monthly spend, and much more.
- 24/7 online access allows administrators to add cardholders, MCC codes, increase/decrease spend limits, view approvals/declines, print statements, update profiles, and make payments in real-time.
- Earn cash back rebate on all purchases through a tiered rebate structure.
Expense Management Software
The Expense Management module offers broad functionality by leveraging advanced capabilities for queries, workflow management, report generation, and data exports.
- Define account code segments including cost centers, departments, or other account ledger indicators to automatically assign to transactions.
- Account holders can review, edit, and submit expense reports for supervisors to review.
- Provides program administrators, finance personnel, and travel and purchasing managers extensive spend analysis tools.
- Track out of pocket and mileage expense reimbursements and record on separate reports for audit purposes.
Visa® Payables Automation
Streamline the way you pay your suppliers: Visa® processes your account payable files and adjusts limits as needed. A remittance notice is then sent to your supplier, and, after your supplier charges the card, you will receive all reconcile notifications.
Control spending: Visa® can automatically adjust your commercial card limit to match approved invoices, reducing the risk of unauthorized activities.
Optimize cash flow: Since your supplier charges a Visa® account, you do not have to pay until you receive a consolidated bill from your bank.
Cash Back Tiers
|
Purchases |
Cash Back Tier |
|
$0 - $499,999 annual purchases |
0.25% |
|
$500,000 - $4,999,999 annual purchases |
0.75% |
|
$5,000,000+ annual purchases |
1.00% |
Start-Up Costs: One Time Implementation Fee = $250.00; Annual Card Fee Per Card = $25.00; Late Fee: $25.00; Cash Advance Fee = The greater of $5.00 or 3% of the transaction; Foreign Transaction Fee=2% of the transaction in US Dollars; Additional Sales Draft Request=$5.00; Return Payment Fee=$25.00; Statement Reprint Fee=$5.00.
Subject to credit approval. Products are subject to additional terms and conditions and/or fees.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (<$100M)
| Term | Rate | APY |
|---|---|---|
| 3 months | 0.80% | 0.80% |
| 6 months | 1.75% | 1.76% |
| 12 months | 2.00% | 2.02% |
| 18 months | 2.50% | 2.53% |
| 24 months | 2.75% | 2.78% |
| 36 months | 3.00% | 3.04% |
| 48 months | 3.15% | 3.20% |
| 60 months | 3.25% | 3.30% |
Certificates of Deposit (>$100M)
| Term | Rate | APY |
|---|---|---|
| 3 months | 0.80% | 0.80% |
| 6 months | 1.80% | 1.81% |
| 12 months | 2.00% | 2.02% |
| 18 months | 2.55% | 2.58% |
| 24 months | 2.80% | 2.84% |
| 36 months | 3.05% | 3.09% |
| 48 months | 3.20% | 3.25% |
| 60 months | 3.30% | 3.35% |
Kasasa Cash*
| Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 0 - $50,000 | 5.37% | 5.50% |
| $50,000+ | 0.50% | 2.17% to 5.50% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Earning your rewards is as simple as using the free services that come with your account. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
And if you don’t meet your qualifications during a cycle, your free account will still earn our base rate. Then you can get back to earning your full rewards the very next month.
Kasasa Saver*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $100,000 | 4.65% | 4.75% |
| $100,000+ | 0.50% | 2.63% to 4.75% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Money Market (Commercial)
| Tier | Rate | APY |
|---|---|---|
| $0 - $99,999 | 0.225% | 0.225% |
| $100,000 - $249,999 | 0.325% | 0.325% |
| $250,000+ | 0.45% | 0.45% |
Money Market (Consumer)
| Tier | Rate | APY |
|---|---|---|
| $0 - $99,999 | 0.225% | 0.225% |
| $100,000 - $249,999 | 0.325% | 0.325% |
| $250,000+ | 0.50% | 0.50% |
No Penalty CDs
| Term | Interest Rate | APY |
|---|---|---|
| 13 months | 0.35% | 0.35% |
Savings Accounts
| Account | Rate | APY |
|---|---|---|
| Basic Savings | 0.35% | 0.35% |
| Basic Business Savings | 0.35% | 0.35% |
