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Business Accounts

Small Business Checking

(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) per statement cycle
Large Business Checking
  • 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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Organization Checking
  • 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 at any time. 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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Savings Account
  • Minimum to open – $200

Interest rate is subject to change at any time. 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 a savings account to another account or to third parties by preauthorized, automatic, telephone, computer transfer, draft, debit card, or similar order to third parties are limited to a total of six per monthly statement cycle.

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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Business Money Market

(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)

  • Minimum to open -$1,000.00
  • $.05 per deposited item
  • Interest rate is subject to change at any time.  Interest is compounded and paid to your account monthly.  Accrued interest is not paid if the account is closed before the statement cycles.  You must maintain a minimum collected balance of $1,000.00 in the account each day to earn interest."
  • Transaction limitations - Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, computer transfer, draft, debit card, or similar order to third parties are limited to a total of six per monthly statement cycle.
  • All accounts become dormant if for twenty-four (24) months you have made no deposits or withdrawals to the account.  Dormant account fee is $5.00 per month.

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Business Accounts  
Small Business Checking
Large Business Checking
Organization Checking
Business NOW Accounts
Savings Accounts
Business Money Markets
   
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