Earnings Credit Rate

Unlock the potential of your business’s cash reserves with our Earnings Credit Rate (ECR) service, designed to reduce banking costs and enhance your financial strategy.
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Financial Efficiency Redefined

Our ECR service is designed to optimize your business banking strategy by using the credit earned on your balances to offset monthly service fees. This approach streamlines your financial operations and enhances your cash flow management, providing a smart solution to manage banking costs effectively.1

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Optimize Financial Operations

Improve your company’s financial health by utilizing our ECR service. It transforms your average collected balances into an asset that works for you, reducing banking fees and contributing to your bottom line. This strategic approach allows for smarter cash management, directly impacting your financial efficiency and operational savings.
  • Reduce Expenses — Utilize the credits earned from your average collected balances to significantly reduce or even eliminate monthly service fees, optimizing operational budgeting.
  • Optimize Cash Flow — Enhance your business’s liquidity by strategically managing funds to gain credits, supporting smoother cash flow management.
  • Financial Flexibility — Achieve greater control over your financial operations with effective cost management, allowing for strategic allocation of resources.
  • Enhance Efficiency — Streamline your financial processes by leveraging your average collected balances to work towards offsetting banking costs, promoting overall business efficiency.

— Danny S.

“We’ve built our business on customer service and value, and First Western Trust understands the value of personalized service.”

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Ready to learn more? Let’s have a conversation.

Connect with our team for a personalized consultation on how ECR can work for your business.
Personal and Commercial banking services offered through First Western Trust Bank, Member FDIC.