Business Accounts

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Small Business Checking

  • This is a non-interest bearing account

  • Designed for smaller businesses, non-profit organizations, and clubs that have limited activity.

  • $2,000 average daily balance required to avoid service charge of $8.50 per month

  • $.30 per item deposited over 30 per month

  • $.30 per check/debit over 30 per month

Regular Business Checking

  • This is a non-interest bearing account

  • Designed for most businesses to facilitate a secure, convenient, and professional method of payment.

  • A balance analysis is used to offset monthly fees. A positive collected balance is multiplied by an earnings rate equal to the 30 day average of the 90 day Treasury bill rate, less a reserve requirement. When the activity charges exceed the earnings credit computed above, a service charge is assessed for the amount of the difference.

  • Service fees:

    • Monthly Service Charge $14.00

      • Checks/Debits $.25

      • Deposit slips/Credits $.65

    • Items deposited

      • On-us/Local items $.10

      • Regional/Transit items $.12

Regular Business Savings

  • This is an interest bearing account

  • Business savings rate can change weekly. Compounded & credited to account monthly on daily collected balance.

  • $200 minimum balance

  • $4 per month if balance is under $200

  • No more than 6 withdrawals or transfers per month.

  • $2 for each debit if you exceed 6 withdrawals per month

Money Market Savings

  • This is an interest bearing account

  • Interest rates can change at any time. Compounded monthly on daily collected balance and credited to account monthly. Tiers are:

    • $0.00 - $24,999.99

    • $25,000 and above

  • If $200 minimum balance not maintained, there is a $10.00 monthly maintenance fee

  • $2.00 for each transaction in excess of 6 (no more than 3 of which can be checks)

Investment Money Market

  • This is an interest bearing account

  • Interest rates can change at any time. Compounded monthly on daily collected balance and credited to account monthly. Tiers are:

    • $0.00 - $24,999.99

    • $25,000.00 and above

  • If $25,000 minimum balance not maintained, there is a $10.00 monthly maintenance fee

  • $2.00 for each transaction in excess of 6 (no more than 3 of which can be checks)