Banking Solutions

Cypress Business Savings & More

In business, it takes money to make money and who doesn’t want to maximize working capital? Make your dollar go further with a Cypress Business Money Market or Savings account. Whether you experience an unexpected business expense, or are simply looking for yield on excess cash, we can personalize an action plan and savings strategy to help your money work as hard as you.

  • Cypress Business Money Market
  • Certificates of Deposits

For more information about our business banking solutions, call, email, or visit one of our bank offices. 


Ask how we can help you with merchant and treasury services, such as processing payments and accessing those funds simply, to streamline some of your day-to-day business operations.

  • ACH Originations: Pay vendors and receive payments without leaving the office. With ACH, you can manage payroll, collect monthly dues, and pay vendors from our online Treasury Management access.
  • Wire Transfers: Wiring funds have never been easier, with your online and mobile wire access. Wire funds safely and securely. Wires initiated prior to 4:00 pm EST will be processed the same day.
  • Remote Deposit Capture: Make check deposits right from your computer, 24/7, through an easy-to-use scanner. Deposits confirmed through the terminal by 5:00 pm EST will post to your account the same business day, giving you faster access to your funds.
  • Positive Pay (Check and ACH): Prevent the growing threat of check fraud and ACH fraud with Positive Pay. This service allows you to add an extra layer of protection to your account through your online and mobile banking access.

For more information about our business treasury services, call, email, or visit one of our bank offices. 

Banking Solutions Contacts

TIMOTHY O. CRAMER, NMLS 2287559 | Commercial Banker | Vice President

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Timothy O. Cramer, Commercial Lender and Vice President, is a 40-year banking professional who has served the North and Central Florida markets since 1996. Prior to joining Cypress Bank & Trust, Timothy held commercial lending roles with Florida Business Bank, Bank of America, and Huntington Bank. He was also instrumental in expanding the SBA504 loan program throughout Florida from 2002 to 2019 with Florida Business Development Corporation, a Certified Development Company who administers the SBA504 Program. He began his career in 1981 with Citizens Bank in Manchester, New Hampshire. Cramer earned his B.S. in Accounting at Southern New Hampshire University and is also a graduate of Babson College Commercial School of Banking. He has been on various committees of the United Way and has assisted classes for the Dale Carnegie Institute.

Direct 321-306-4104

KAREN GUZZO, NMLS 2322060 | Senior Personal Banker | Assistant Vice President

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Karen Guzzo, Senior Personal Banker, has held several positions throughout her banking career including Operations Manager, Customer Service Representative, and as a Personal Banker. Karen’s prior experience and background were served at Savings of America acquired by Wells Fargo, United Bank, and Valley Bank.

Direct 561-820-2934

MERCEDES F. MCCALL, NMLS 809420 | Relationship Manager | Senior Vice President

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Mercedes Figueroa McCall, Relationship Manager and Senior Vice President, works to develop new client relationships and serves as a community ambassador for Cypress Bank & Trust. Early in her career, Mercedes built a name for herself as the first Hispanic female banking executive in Central Florida and is well-known for her many contributions to the community. She has served in various nonprofit Board of Directors roles, including the first female President of the Hispanic Chamber of Commerce, Chair of Orange County Housing Finance Authority, Board member of Jobs Partnership, and founding member and Past Chair of HBIF, now Prospera.

Direct 407-961-6054

RYAN JOHNS, NMLS 1600327 | Senior Personal Banker | Assistant Vice President

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Ryan Johns, Senior Personal Banker and Assistant Vice President, began his banking career in 2011 with a national bank. He soon ventured out of corporate banking and into community banking as an Assistant Branch Manager. Ryan is a graduate of the University of Central Florida with a Bachelor’s degree in Business Commerce and a minor in Public Relations and Psychology.

Direct 321-306-4113

KYM MARKS, NMLS 1394145 | Relationship Manager | Vice President

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Kym Marks, Relationship Manager and Vice President, has 35 years of experience and professional knowledge building relationships in the banking industry and uses her positive attitude to encourage others to work hard and succeed. Kym began her banking career in 1987 with Sun Bank of the Treasure Coast, and later continued with United Bank as a Branch Regional Operations Manager.

Direct 561-296-6296

Kristie Dillard | Client Support Specialist

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Kristie Dillard, Client Support Specialist, works closely with our banking and trust teams to ensure the best support for our clients. Kristie is a graduate of The University of North Florida, earning a Bachelor of Administration in International Business with a minor in International Relations.  She interned with The North Florida Green Chamber of Commerce, working under the Executive Director, to achieve the mission of expanding awareness, networking and mentorship in the industry of sustainability.  Kristie and her husband, Dustin, are originally from the small town of Dunnellon, Florida, but have made Jacksonville their home after falling in love with the unique and vibrant city.

Direct 904-301-2222

CHRIS MYERS, NMLS 1201787 | Senior Relationship Manager | Senior Vice President

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Chris Myers, Senior Relationship Manager and Senior Vice President, has over 30 years of experience building relationships with clients in the banking industry. Chris relocated to Brevard County, FL in 2013 and began working as branch manager for Florida Bank of Commerce. She later joined Cypress Bank & Trust in May 2021. Her prior career pursuits include working for Holy Trinity Catholic Church in Weston, MO, as Director of Religious Education and Confirmation Formation. Chris serves on several community Boards including Habitat for Humanity of Brevard County, Children’s Home Society of Florida – Space Coast Regional Advisory Board, Bridges BTC, Rotary Club of Suntree, and Hey, Blue Advisory Council.

Direct 321-306-4107

MEREDITH OLIVERA | Personal Banker

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Meredith Olivera, Personal Banker, began her banking career in 1999 working for a national bank. From there, she took her talents to a small community bank where she felt her clients were like family. She has worked in several capacities of banking including as a teller, banker, lending and fraud detection areas. Meredith holds a Bachelor’s degree in Business Administration and an Associate’s Degree in Accounting.

Direct 321-306-4114

Cypress Bank and Trust business credit card laying over iPhone with Cypress Bank and Trust app showing

Bank From Anywhere

Cypress Bank & Trust helps you easily manage your money by consolidating all your banking in one place. We provide an intuitive digital dashboard to let you control multiple accounts, move funds, pay bills and track spending. Plus, ask us how we can help you with merchant services such as processing payments and accessing those funds simply. A whole suite of services to keep your business running smoothly. Bank the Cypress Way.