Commercial Loan Refinancing Lewiston ID

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Wells Fargo - Lewiston Branch
(866) 245-3452
868 Main Street
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Sterling Savings Bank - Lewiston Branch
(800) 772-7791
2250 Thain Grade Road
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining a balance of $2,500.00 or more. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Sterling Savings Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Banner Bank - Lewiston - 21st Street Branch
(800) 272-9933
1031 21st Street
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $12.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Banner Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Lewiston 10th & Thain Branch
(866) 245-3452
303 Thain Rd
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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U.S. Bank - Clarkston Branch
(800) 872-2657
615 6th Street
Clarkston, WA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Lewiston Branch
(800) 872-2657
835 Main Street
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Sterling Savings Bank - Orchards Branch
(800) 772-7791
444 Thain Road
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining a balance of $2,500.00 or more. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Sterling Savings Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Banner Bank - Lewiston - Bryden Avenue Branch
(800) 272-9933
639 Bryden Avenue
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $12.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Banner Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Orchards Branch
(800) 872-2657
1900 19th Avenue
Lewiston, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Sterling Savings Bank - Fbnb Clarkston Branch
(800) 772-7791
1300 16th Avenue
Clarkston, WA
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining a balance of $2,500.00 or more. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Sterling Savings Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Commercial Loan Refinancing

Commercial loans once acquired are often never reexamined to insure that the best financing value has been negotiated. It is an understatement to say that the business world is dynamic and economic conditions are always evolving. Changes often occur that might indicate the need for the reevaluation of a company or individual position with respect to commercial loans . There are several important reasons that might cause one to consider refinancing of a commercial loan . A few of these reasons are enumerated below;

1. Taking advantage of equity gains that may be realized which could enable the borrower to free up capital for other expenses or ventures. This option is often referred to as "cashing out" and offers an opportunity to invest the equity that has accrued in a manner that offers a higher return.

2. Interest rates may have declined or another commercial lender is offering a lower rate and it is prudent to take advantage of reduced payments. Reduced loan payments obviously affect cash flow and enhance one's financial position.

3. Another acquisition may provide an opportunity to combine loans and recognize increased cash flow or take advantage of more favorable terms and conditions. Combining notes may offer the opportunity to take advantage of the equity that has built up in one note to obtain more favorable financing for another. It also offers an opportunity to strengthen a financial statement by closing out a note under favorable conditions.

4. Taking advantage of an opportunity to lengthen the period of the loan and realize an increased cash flow as well as to take advantage of tax concessions.

5. It may be appropriate to pay down some of the note and renegotiate terms and conditions to strengthen one's financial statement.

These potential reasons have been highlighted for illustrative purposes, but there are other reasons that may cause one to seek commercial loan refinancing . Each individual or company circumstance will dictate differing responses. As with any decision, an evaluation of the advantages and disadvantageous is necessary to insure that the effort is worth the reward. One needs to assess the total impact of the decision with regard to tax implications, the advantages of cashing out equity, the effect on one's present financial statement, the opportunities for additional investment and the actual savings that may be available.

It is important to note that a detailed analysis may ...

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