Business

Checking

Basic Business Checking Business Select Checking Commercial Checking Qualified Now Public Fund NOW Account
Designed for businesses with low volume account activity Account for moderate monthly volume For businesses with high volume activity Interest bearing account available to qualifying nonprofit organization and sole proprietorships Interest bearing checking for qualifying Government Entities only
Opening Balance $100 $100 $500 $500 $1,500
Rate Information N/A N/A N/A Interest rate and annual percentage yield may change at any time at our discretion Interest rate and annual percentage yield may change at any time at our discretion
Minimum Balance Requirement To Avoid Monthly Service Charge N/A $5,000 daily collected balance N/A $1,500 average daily collected balance $1,500 average daily collected balance
Monthly Service Charge $5 $10 $9 $9 If min. balance is not maintained $9 If min. balance is not maintained
Per Check Fee Under 30 checks per month – free. Over 30 per month- $.20 Under 150 checks per month – free. Over 150 per month- $.20 $.18/check $.18/check – waived with qualifying balance $.18/check – waived with qualifying balance
Per Deposit Item Under 100 items per month – free. Over 100 per month- $.20 Under 200 items per month- free. Over 200 per month - $.20 $.085/item $.085/item – Waived with qualifying balance $.085/item – waived with qualifying balance
Per ACH Debit Fee N/A N/A $.10 $.10 – Waived with qualifying balance $.10 – Waived with qualifying balance
Uncollected Balance Charge N/A N/A 3% above national prime 3% above national prime 3% above national prime
Interest Computation Method N/A N/A N/A Daily Daily
Crediting and Compounding Frequency N/A N/A N/A Monthly Monthly
Debit Card or ATM Card Availability Yes Yes Yes Yes Yes
Other N/A Monthly charges are reduced by the Collected Balance Credit rate. Monthly charges are reduced by the Collected Balance Credit rate. Maintain an average daily collected balance of $1,500 or greater to avoid monthly fees. Maintain an average daily collected balance of $1,500 or greater to avoid monthly fees
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