Business Checking 2017-09-08T21:36:42+00:00

 BUSINESS CHECKING

BASIC CHECKING
Interest Bearing Checking

From a basic business checking account for those getting started, to our Commercial Analysis account for high transaction volume corporations, we have a checking account to fit your business!

Basic Checking

Small Business Checking

This account is designed for those businesses that do not have many items during a month and avoids a monthly service charge with a low daily balance.

  • Minimum to open is $100
  • Daily balance of:
    • $0.00 – $999 — $15.00 monthly service charge
    • $1,000-$2,499 — $10.00 monthly service
    • $2,500-over  —  No service charge
  • Limit of 100 paper items per month to avoid additional charges; $0.55 per item in excess of 100
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay

Commercial Checking

Business account that requires a higher daily balance limit, but allows more items per month to avoid a per item fee.

  • Minimum to open is $100
  • Daily balance of:
    • $0.00 – $4,999 — $25.00 monthly service charge
    • $5,000-$24,999 — $20.00 monthly service charge
    • $25,000 – over  —  No service charge
  • Limit of 500 paper items per month to avoid additional charges; $0.55 per item in excess of 500
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay
  • Free locking deposit bag at account opening

Let us help by calling 1.800.298.1763 or visiting one of our four locations.

Interest Bearing Checking

Commercial NOW Account*

Interest bearing checking account with a low minimum deposit to open and a daily balance requirement, you will be paid interest and avoid a monthly service charge.

  • $100.00 minimum deposit to open
  • Daily balance of:
    •  $0.00 – $999 — $9 monthly service charge
    • $1,000 – over  —  No service charge
  • Interest paid on 100% of the daily balance
  • Limit of 200 checks per month to avoid additional charges; $0.12 per item in excess of 200
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay
*Subject to certain eligibility requirements for NOW Accounts: Individuals | Non-Profit Organizations | Governmental Units | Funds held by a Fiduciary (For-profit corporations and partnerships are ineligible)

Money Market Account

Interest bearing checking account that requires a higher minimum deposit to open and a daily balance requirement that pays interest at tiered rates based on the balance in the account and avoids monthly service charge if balance remains above the minimum daily balance limit.

  • $2,500 minimum deposit to open
  • Daily balance of:
    • $0.00 – $999  —  $9 monthly service charge
    • $1,000 – Over  —  No service charge
  • Interest paid on tiered rates based on balance
  • Six free preauthorized withdrawals per month – $7.00 charge for each excess transaction
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay
  • Subject to transaction limitations

Commercial Analysis Account

Designed for those customers who have more than 500 paper items per month. ($100.00 minimum deposit to open)

Monthly Service Charges:

  • Maintenance Fee: $25.00
  • Per Item Deposited: $ 0.04
  • Per Paid Item: $0.15
  • Per Credit : $0.00

Earnings credit rate based upon the average net available balance offers an offset to fees.  The earnings credit rate is determined by the Bank and is subject to change at the Bank’s discretion.

Let us help by calling 1.800.298.1763 or visiting one of our four locations.