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Business Checking

Account Features Free Business Checking Small Business Checking Business NOW Checking Business Value Checking (Analysis)
Designed for Small business, non-profits and organizations with limited number of transactions. Businesses with moderate account activity. Limited to sole proprietorships, government entities and non-profit organizations. Businesses with high volume activity. Commercial Analysis.
Minimum to Open $100 $100 $1,000 $100
Minimum Daily Balance $0 $0 $1,500 $0
Interest or Earnings Credit None None Tiered Rate Schedule (1) Earnings Credit
Monthly Service
Fee (2)
$0 $7.50; Maintain $2,500 average collected balance or accept E-Statement to avoid monthly service charge. $7.50; Maintain $1,500 average collected balance to avoid monthly service charge. $10 account maintenance fee.
Transaction Fees (2) No charge for first 75 total debits, credits and deposited items per statement cycle. $0.25 per item for each transaction over 75 per statement cycle. No charge for first 150 total debits, credits and deposited items per statement cycle. $0.25 per item for each transaction over 150 per statement cycle. $.015 per credit
$.05 per deposited item
$.10 per item paid.
$.15 per deposit.
$.05 per deposited item.

Returned Item Deposit:
Re-Cleared Items: $2.50
Returned Deposit: $5.00
Reserve Requirements None None None 3%
Statement Options Monthly statement with images. Free E-Statement. Monthly statement with images. Free E-Statement. Monthly statement with images. Free E-Statement. Monthly statement with images. Free E-Statement.

Important Notes

(1) We use the average daily balance method to calculate interest on your account. This method applies a daily periodic rate to the average daily balance in the account each day. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

(2) Sales tax applies.

Interest rates are variable and subject to change at the bank's discretion at any time. The annual percentage yield may vary due to the interest rate changes and fees. Please ask a bank representative for current interest rates and annual percentage yields based on designated balance tiers.

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