Running a business today isn't easy, so at Adams National Bank, we're committed to making your job a little easier. Our goal is to provide our clients with a complete range of checking, savings, lending and cash management services that will enhance your cash flow, increase efficiency, and minimize the cost of managing your funds. We provide a relationship, not just an account.

• Lines of Credit
  Providing financing for accounts receivable and seasonal credit needs.
• Term Loans
  Designed to finance fixed assets, such as equipment or expansion of your business.
• Real Estate Financing
  For the acquisition of investment properties in the Metropolitan Washington area, as well as for construction and renovation.
• Government-guaranteed Lending Programs
  As a Small Business Administration Preferred Lender, Adams can help in the start-up or expansion of your business.
• Department of Transportation Minority Loan Guaranty Program
  Mid-Atlantic regional lender providing minority-owned businesses the working capital needed to finance federal, state or local transportation contacts or sub-contracts.

• Small Business Checking
  Our most popular checking option, with no monthly maintenance fees when a minimum balance is kept, a fixed number of free items, and special pricing on checks, deposit slips and printed materials.
• Commercial Checking
  A traditional business checking account that allows the dollars you keep on deposit to offset your monthly fees. This account is ideally suited for mid-size businesses that require unlimited check writing and an easy to reconcile statement.
• Business Analysis Checking
  For businesses that have high volume or utilize any of our cash management solutions, a fully analyzed checking account is the most cost effective option. With our Business Analysis Checking, most service fees are summarized monthly and reduced by a variable earnings credit.
• Business Interest Checking
  If your business is not-for-profit, governmental, or another qualifying entity, Adams can offer unlimited check writing combined with a competitive interest rate.
• IOLTA Checking
  Interest on Lawyer Trust Accounts are opened in an agreement with the local bar association, which allows interest earned to be donated to legal foundations.

• Money Market Accounts
  More flexible than the traditional savings account, business Money Market Accounts pay interest on three balance tiers and allow for limited check writing and withdrawal privileges.
• Certificates of Deposit
  The best way to lock in a guaranteed rate of return. Adams offers both consumer and investment CD's with terms from 14 days to five years. We'll even customize a term that fits your specific needs.
• Traditional Savings
  Today's savings accounts combine the best features of passbook savings accounts without the hassles of remembering the passbook. Our accounts provide quarterly statements and interest paid on daily collected balances.

• Adams Bank has partnered with the region's premier payroll processor.
  We are able to provide payroll support with error-free tax compliance and superior quality assurance. Businesses of all types and sizes can benefit from these easy-to-use solutions.

• Business Express
  Our PC based balance reporting software allows account inquiries, stop payments, balance transfers, ACH transfers, payroll services, wire transfers, account reconciliation exports, and cash concentration. All services are in a direct internet connection with the bank in an on-line realtime environment.
• Merchant Bankcard Services
  Working with Adams Bank's Merchant Services provider, your business can accept all major credit cards, obtain check guarantee services, and offer your customers payment options over the internet through a variety of e-commerce solutions.
• Lockbox
  Adams' Lockbox services turn your company's incoming receivables into usable cash with maximum speed.
• Check Imaging
  Adams Bank utilizes the latest technology in check processing. Besides receiving your monthly statement with check images sorted in numerical order, monthly statements can now be received on CD ROM with viewing software included.

• Letters of Credit
• Wire Transfers
• Corporate Credit Cards
• Foreign Collections
• Night Depository
• Bank by Mail
• Telephone Banking
• ACH Processing
• Zero Balance Accounts
• Overdraft Protection Accounts
• Travelers Checks, Money Orders, Cashiers' Checks
• Positive Pay
• Cash Processing
• Cash Concentration
• Signature Guarantee and Notary Services
• US Treasury Deposits through Ca$h-Link