Focus Bank offers online banking for personal and business banking accounts as well as loans, lines of credit and financial resources, as of May 2015. Personal banking services include various types of checking and savings accounts, certificates of deposit and retirement accounts. Loans include personal, auto and mortgage loans.
Business services include checking accounts for nonprofits, sole proprietors and midsize businesses. Customers can use online and mobile banking. Resources through the Focus Bank website include financial calculators, a game that teaches kids about finances and information on online banking safety and identity theft.
Focus Bank has a chart showing the differences in its various personal checking accounts. Some accounts have various rewards, such as cash rewards. The accounts require different minimum balances, and some have monthly service fees. CD term lengths range between seven months and 37 months. Among the features for savings accounts are accounts for customers under 18 years old and Christmas club accounts. Customers can also set up IRA accounts.
The Bank also offers a Visa Platinum card, home equity lines of credit, construction loans and mortgage loans. Personal loans can help pay for a family trip or baseball season tickets. The bank says that customers can use home equity loans for most anything.