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SBA (Small Business Administration) Loans

For any additional information regarding our SBA programs, contact us or visit www.sba.gov.

SBA 7A's

The SBA’s basic 7A program is the most widely used business loan program. Loan proceeds can be utilized for any legitimate business purpose including:

  • Working Capital
  • Equipment Purchase
  • Business Expansion
  • Debt Consolidation
  • Real Property Purchase and Renovation
SBA 504's

This program is available for an eligible business for the purchase or real property and/or the purchase of equipment with a useful life of 10 years or more.

SBA Express Program

This program is designed to streamline the approval process for loans to veterans and active military personnel. This program is available for loans of $500,000 or less with a maximum guarantee of 85%. Loan proceeds are available for business purposes only. Loan types include standard loans as well as revolving lines of credit.


Standard Free Services
Free ATM/Debit Card
Free Monthly E-statement
Free Internet Banking
Free Internet Bill Pay
Free 24-Hour Telebank 816-858-5000
Miscellaneous Fee Schedule
Non-Sufficient Funds $30.00
Returned Item Fee $30.00
Stop Payment Fee $30.00
Inactive Account Fee $5.00 (No deposits or withdrawals for one year)
Mobile Banking Fee $1.50
Return Deposited Item Fee $5.00
Overdraft Sweep Protection $5.00
ATM or Debit Card Replacement Fee $5.00
Internet Bill Pay Inactive Fee $5.00 (Non-use for two months)
Money Order $3.00
Cashier’s Check $5.00
Traveler’s Cheques: $1.00 per $100.00, Two-Party: $1.50 per $100.00
Coin Charge $.05 per roll
Collection Fee $10.00 per item
Levy/Garnishment Fee: $25.00 per attachment
Lock Box Key Replacement $30.00 per key
Lock Box Drilling $100.00
Research Fee $20.00 per hour
Return Mail Fee $5.00
Check/Statement Copy $5.00 per item
Locking Zipper Bag $10.00
Non-locking Zipper Bag $5.00
Night Drop Key Replacement $5.00
Purchase Securities $25.00
Wire - Outgoing Domestic $25.00
Wire – Outgoing International $40.00
Disclosures