(light to moderate check volume)

• Minimum to open – $200
• $6.25 monthly service charge fee if daily balance goes below $1,500
• .25 per debit item over 100 (no charge for 100 items or less)
• No charge for moderate coin and currency activity

• Minimum to open – $200
• $6.25 monthly service charge fee if daily balance is $4,999.99 or less
• .10 per check or debit
• .05 per deposited item
• .05 per deposit ticket
• .05 per roll coin purchased or deposited
• .10 per strap currency purchased or deposited

An earning allowance on the investable balance (average collected balance less 10% reserve requirement) will be used to reduce or eliminate the service charge fee. This is calculated by using the ninety (90) day U.S. Treasury Bill rate for the previous month, times the average investable balance, divided by twelve (12).

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• Minimum to open – $200
• $2 if balance goes under $50

Interest Bearing Business NOW Checking Account
(for eligible businesses and organizations)

The NOW Account allows your business to earn interest on your balance in addition to business checking account services. You must maintain a minimum of $1,000 in the account each day to earn interest.

• Minimum to open – $500

The monthly service charge fee will be $6.25 plus the regular large business checking account fees listed previously. Earnings credit does not apply.

Interest rate is subject to change daily. Interest is compounded monthly and paid on the daily balance on the statement date. Accrued interest is not paid if account is closed before statement cycles. You must maintain a minimum balance of $1,000 in the account each day to earn interest.

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Business Now*(for Qualifying Businesses)

The NOW Account allows your business to earn interest on your balance ($500 minimum to open) in addition to business checking services. You must maintain a minimum of $1,000 in the account each day to earn interest.

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• Minimum to open – $200

Interest rate is subject to change daily. Interest is compounded daily and credited to the account quarterly. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day. Accrued interest is not paid if account is closed before statement cycles.

TRANSACTION LIMITATIONS: Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per month with no transfers by check, draft, debit card, or similar order to third parties.

FEES: A service charge fee of $1 will be charged for each withdrawal or debit in excess of six (6) during a quarter.

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(For qualifying businesses)

Saving money is easier said than done - let our Business Money Market account help. You earn interest on your money ($1,000 minimum balance). Higher rates are available for higher balances (limit of three withdraws and three checks per month)

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