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Tax Season
Starting Out
Tax Checklist: 5 Things to Remember
Tax season is quickly approaching—do you know what you need to claim, and what forms you need to submit? This tax checklist makes filing simple.
Welcome To Esafepayo
Virtual banking made simple and secure. Create virtual cards instantly, send money globally, and manage your finances with ease. Experience banking that puts you first.
50K+
Active Users
1M+
Transactions
99.9%
Uptime Guarantee
$50 Welcome Bonus
Get $50* When You Create Your First Virtual Card
For a limited time, get $50 when you open a new account and create your first virtual card! *Select "Learn More" to see important offer details.
Current Rates
Competitive rates designed to help you grow your money
3.75%
APY
High Yield Savings Account
High Yield Savings Rate
3.65%
APY
18 Month Certificate
Commercial Trust Bank Standard Certificate Rates
4.00%
APY
36 Month Certificate
Commercial Trust Bank Standard Certificate Rates
AS LOW AS
15.49%
APR
Cash Rewards Mastercard
Mastercard Variable APR
Business Banking Solutions
Comprehensive financial services designed to help your business grow and thrive
Why Choose Commercial Trust Bank for Your Business?
We understand that every business is unique. That's why we offer tailored banking solutions that adapt to your company's specific needs and growth stage.
From startup funding to expansion loans, from cash management to merchant services, we provide the tools and expertise your business needs to succeed in today's competitive marketplace.
Our dedicated business banking team works closely with you to understand your goals and develop strategies that help you achieve them.
24/7
Business Support
Business Checking
Flexible checking accounts with no monthly fees, unlimited transactions, and online banking tools designed for business efficiency.
- No monthly maintenance fees
- Unlimited transactions
- Online and mobile banking
Business Loans
Competitive business loans and lines of credit to help you expand, purchase equipment, or manage cash flow.
- Equipment financing
- Working capital loans
- Commercial real estate
Merchant Services
Accept payments anywhere with our comprehensive merchant services and point-of-sale solutions.
- Credit card processing
- Mobile payment solutions
- Online payment gateway
Personal & Business Loans
Flexible loan options with competitive rates to help you achieve your financial goals
Low
Interest Rates
Get the Loan You Need, When You Need It
Whether you're buying a home, starting a business, or consolidating debt, we offer a wide range of loan products with competitive rates and flexible terms.
Our experienced loan officers work with you to find the best solution for your unique situation. We understand that every borrower is different, and we're committed to providing personalized service.
With our streamlined application process and quick approval times, you can get the funding you need without the hassle.
Personal Loans
Unsecured personal loans for any purpose with competitive rates and flexible repayment terms.
Starting at 6.99% APR
Up to $50,000
- No collateral required
- Quick approval
- Flexible terms
Home Loans
Mortgage loans for first-time buyers, refinancing, and home equity lines of credit.
Starting at 5.99% APR
Up to $2M
- Fixed and variable rates
- Low down payment options
- Expert guidance
Auto Loans
Competitive auto loans for new and used vehicles with flexible terms and quick approval.
Starting at 4.99% APR
Up to $100,000
- New and used vehicles
- Online pre-approval
- Competitive rates
Business Loans
Working capital, equipment financing, and commercial real estate loans for your business.
Starting at 7.99% APR
Up to $5M
- Flexible terms
- Quick processing
- Dedicated support
Wealth & Retirement Planning
Comprehensive wealth management and retirement planning services to secure your financial future
Plan for Your Future with Confidence
Our experienced wealth management team provides personalized investment strategies and retirement planning services to help you build and preserve wealth for the long term.
Whether you're just starting to save for retirement or looking to optimize your existing portfolio, we offer comprehensive solutions tailored to your unique financial situation and goals.
From 401(k) rollovers to estate planning, our advisors work with you to create a roadmap for financial success that adapts to life's changes.
$2.5B+
Assets Managed
Investment Management
Professional portfolio management with diversified investment strategies designed to meet your risk tolerance and financial goals.
- Personalized portfolios
- Risk assessment
- Regular rebalancing
Retirement Planning
Comprehensive retirement planning services to help you build a secure financial future and achieve your retirement dreams.
- 401(k) rollovers
- IRA management
- Income planning
Estate Planning
Protect your legacy with comprehensive estate planning services including wills, trusts, and wealth transfer strategies.
- Will preparation
- Trust services
- Tax optimization
Investment Options
Choose from a wide range of investment products to diversify your portfolio
Mutual Funds
Diversified portfolios managed by professionals
ETFs
Low-cost index funds for broad market exposure
Real Estate
REITs and real estate investment options
Bonds
Fixed-income securities for stability
Start Building Your Financial Strength
Expert insights and tips to help you make informed financial decisions
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Banking
Starting Out
How to Manage Your Checking
Learn the essential tips and strategies for effectively managing your checking account and maximizing your banking experience.
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Savings
Starting Out
How to Save for Summer Vacation
Plan your perfect summer getaway with our comprehensive guide to saving for vacation and making the most of your travel budget.
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Business
Running a Business
How Rising Rates and Inflation Impact Businesses
Understand how current economic conditions affect your business and learn strategies to navigate rising interest rates and inflation.
Hear From Our Customers
Real stories from real people who trust us with their financial future
"esafepayo has completely transformed my banking experience. Their virtual cards are so easy to create, and their customer service is outstanding. I feel confident knowing my money is in good hands."
SM
Sarah Mitchell
Small Business Owner
"The instant transfers at esafepayo are unbeatable, and their platform makes managing my virtual cards so convenient. I've been a customer for over 2 years and couldn't be happier."
MJ
Michael Johnson
Software Engineer
"When I was starting my business, esafepayo provided the virtual banking solutions I needed. Their support team is knowledgeable and always available to help with any questions."
ED
Emily Davis
Entrepreneur