Benefits of a Community Banking Relationship for Businesses

Community banks can be key partners for small to mid-sized businesses because they are, quite simply, more responsive, agile and attentive than big banks.  Offering the same robust products and services as larger national banks, community banks provide personalized attention designed to elevate the client’s banking experience, save time and money, and prepare businesses for future goals.

At American Community Bank & Trust, we are a community bank focused on building long-term relationships with privately owned businesses, investors, and families.  We accomplish this by delivering the talents of the best bankers in the industry.  Striving to take a personalized approach, our team acts with urgency and flexibility, providing our clients with direct access to financial decision-makers.

We deliver comprehensive experienced advice. 

Our commercial bankers are experienced in working with a wide spectrum of entrepreneurs and businesses, from small startups to long-established mid-size companies.  Working day in and day out with our clients, we get to know their business, their families, and their market sector from the ground up.  You won’t hear us compare your business to a set of statistics in order to provide recommendations.  Listening, coupled with years of experience, allows us to deliver advice and solutions applicable to your unique situation.

We’ve formed guiding best practices with a client-first focus and continue to maintain a nimble organization that allows us to adapt to the changing needs of our clients, as well as widespread economic and technological issues.  And the best part is, our bankers thoroughly enjoy every opportunity to deliver solutions and talk to clients face-to-face!

We get to know you and your business. 

American Community Bank & Trust excels at building lifelong relationships; you gain access to both financial resources and a proactive long-term banking partner.  

Our business banking relationship managers make the effort to learn the ins and outs of your unique operation. By listening to you, and using a diverse array of expertise, we are able to effectively assist small to mid-size businesses, in sectors spanning finance, healthcare, construction, manufacturing and more.

What exactly will a relationship manager do? They regularly review your accounts and services, talk with you about what’s working and what could be improved, and explore your ideas for how to change or grow your business. Your relationship manager can pair you with a commercial banker that will help you find the lending and treasury management solutions to help your business get off the ground, grow, or prepare to pass on to the next generation. They can work with you to offer customized financial solutions as well as ways to optimize the use of your accounts to get maximum benefit. And best of all, our bankers will be there to celebrate your success.

We value open and honest communication. 

We’re in it for the long haul; our bankers aren’t afraid of having tough conversations, discussing your business’s pain points, or working with you to move past temporary hurdles. Your community banking partner can help you: 

• Analyze spending patterns to better manage expenses 
• Consider methods to consolidate debt, like SBA Small Business Loans 
• Find ways to reduce banking fees and costs 
• Explore affordable Commercial Lending options like Revolving Lines of Credit to manage cashflow fluctuations 
• Utilize financial technology like Commercial Online and Mobile Banking and Remote Deposit to improve account management and efficiency 
• Protect your accounts from fraud with products such as Positive Pay

With a direct line of communication to your banking team, you can feel confident and comfortable whenever you need advice or assistance. 

We care about your long-term success. 

When you work with a community banker, you are partnering with someone who cares about your business’s viability and success.  More than just closing a loan or selling a product, we treat your business as if it were our own.  We are both entrepreneurs.  That’s why, with every recommendation your banker makes, we will work hard to consider the future impact of that decision, and how it will set you up for further success. Whether you’re opening your first account, seeking the right loan structure to manage your cash flow, or looking to secure quick, affordable financing to scale up when the opportunity arises, a community banker will strive to ensure that each choice along the way is the right one for your business.  American Community Bank & Trust will be your advocate and our goal is that you will also be ours.

Work with American Community Bank & Trust 

At American Community Bank & Trust, we value lifetime relationships and strive to provide responsive service.

What sets us apart from other banks? 

• We believe trust and integrity are key to all decisions,
• We offer commitment, stability, and personal care to our clients, 
• We understand what our clients do, 
• We provide quick access to decision makers, 
• And we believe reliability, creativity, and flexibility are more important than price. 

Living our core values day in and day out is what differentiates us from our competitors and is crucial to the success of our clients and the communities we serve. With a reputation for sharing our clients' entrepreneurial spirit, we offer sound advice with a high level of responsiveness—all with the trust and integrity you would expect from a financial partner. 

Reach out to an experienced Commercial Banker today, or stop by one of our banks in McHenry, Crystal Lake, Huntley, Woodstock, or Arlington Heights by appointment only, to see why we’re uniquely qualified to serve privately owned businesses and their families.