Checking

Commercial Checking
Designed for businesses with high activity and high balances. This account offers a month-end statement with check images.
          • No minimum balance
          • $100.00 to open
          • $12.00 monthly service fee
          • Activity charges as follows: $.25 each deposit made. $.15 each debit/check paid. $.10 each check                 deposited
          • An earnings credit equivalent to the 91-day Treasury Bill rate is credited based on your monthly                 average collected balance to offset service fees (adjusted quarterly)
          • Uncollected funds usage charge at the highest Wall Street Journal Prime Rate + 2% (adjusted daily)

Small Business Checking
Designed for businesses engaging in low activity or who maintains a low minimum balance. This account offers a month-end statement with check images.
          • $500.00 minimum balance
          • $100.00 to open
          • 25 free deposits made
          • 50 free debits/checks paid
          • 50 free checks deposited ( $.25 per item over 25 deposits, 50 debits/checks paid or 50 deposited                   checks)
          • $10.00 monthly service fee if account falls below the minimum balance

Money Market Account
This account offers higher competitive interest rates for customers with balances of $2500 and above with the flexibility to move your money. Opening deposit $2500.
            • Tiered interest rates based on amounts held in account
            • Interest compounded daily and paid monthly
            • $2500.00 minimum balance to earn interest
            • Free Instant Cash or Instant Cash & Check Card for qualifying customers
            • Free access to Place ‘N Click® Online Banking
            • Three debits/checks plus three transfers per month
            • Monthly statement with images of checks
            • Combined monthly statement which includes checking, savings and certificates of deposit
No monthly service fee if a minimum balance of $2500 is maintained. If the minimum balance is
not maintained, a $13 per month service fee plus $.35 per debit/check will be assessed.

See 'Interest Rate' page


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