Business Details
50+ Years
experience
Your Trusted Partner for Business Banking Solutions
Founded in 1906, Cass Commercial Bank has established itself as a cornerstone of financial stability and client-focused service in St. Louis and beyond. As a Federal Reserve Member Bank and a wholly owned subsidiary of Cass Information Systems, we combine over a century of banking expertise with the operational strength of a $2.5 billion public company. Our team prioritizes enduring client relationships, offering tailored solutions for businesses, faith-based institutions, and franchise operators nationwide. Unlike traditional banks with rigid models, we specialize in customized financial strategies that adapt to our clients' evolving needs. Our consistent 5-Star Superior rating from Bauer Financial underscores our commitment to capital strength and regulatory excellence.With low team turnover, we maintain deep institutional knowledge, ensuring our clients receive consistent, expert guidance. Our unique corporate structure provides access to advanced payment systems and additional liquidity sources. We serve as a trusted advisor, supporting clients through economic cycles while maintaining lending capabilities even during market downturns. Our technology partnerships deliver innovative tools like remote deposit capture and customizable dashboards, streamlining financial management. For over 119 years, we've balanced tradition with innovation, helping businesses grow while safeguarding their financial future.
Services
Business Checking
Credit Services
Cash Management
Equipment Financing
Online Banking
Commercial Real Estate Loans
Positive Pay Security
Remote Deposit Capture
Zero Balance Accounts
Certificate Programs
Details
- Year established: 1906
Highlights and features
- We offer over 119 years of banking expertise with continuous St. Louis operations since 1906
- Our personalized approach avoids rigid underwriting models for customized financial solutions
- Consistently rated 5-Star Superior by Bauer Financial for financial strength
- Unique corporate structure provides access to $2.5 billion in assets and advanced payment systems
- Low team turnover ensures continuity and deep understanding of client operations
Associations and certifications
- Bauer Financial
What people say
Long-term, trusted advisor
Customized solutions
Financial strength
Still lending during downturns
Unique corporate parent
Services
Business Checking
Our business checking accounts offer FDIC insurance up to $250,000 with optional programs for larger balances. Features include Positive Pay fraud protection, remote deposit capture, and interest-bearing options for balances above $500,000. Clients benefit from 24/7 online access and integration with our comprehensive cash management tools.
Equipment Financing
Flexible equipment financing solutions support business growth with maturities from two to five years. Available for new or used equipment, these loans feature automatic payment options from linked accounts. Our approach helps businesses acquire necessary technology or machinery without depleting operating capital.
Cash Management
Advanced cash management tools include remote deposit capture, mobile banking, and zero balance accounts. Our Positive Pay system prevents fraud through ACH and check payment controls. These solutions streamline financial operations while enhancing security and liquidity management for businesses.
Commercial Real Estate Loans
We provide commercial real estate loans for property acquisition or refinancing with amortizations up to 20 years. Options include fixed or floating interest rates, and construction/renovation loans with interest-only periods that convert to amortized loans upon project completion.
Online Banking
Our online banking platform offers 24/7 account access with customizable dashboards. Features include ACH and wire payment initiation, stop payments, account reconciliation tools, and integration with all Cass banking services for comprehensive financial management.
Questions
What business banking services do you offer?
We provide business checking, credit solutions, cash management, equipment financing, and commercial real estate loans tailored to your specific needs.
How long has Cass Commercial Bank been operating?
We've served businesses since 1906, maintaining continuous operations in St. Louis for over 119 years.
What security measures protect business accounts?
We offer Positive Pay services to prevent fraud through ACH and check payment controls for enhanced account security.
Do you offer online banking tools for businesses?
Yes, our online banking platform includes customizable dashboards, remote deposit capture, and integrated payment management tools.
What makes Cass different from other banks?
We combine personalized service with the strength of a 5-Star Superior-rated institution and unique access to advanced payment systems through our corporate parent.
Can I get financing for equipment purchases?
Yes, we offer equipment financing with terms from two to five years for both new and used equipment acquisitions.
