Male_construction_worker

eSSENTIAL Business Checking

Just the bare essentials, best suited for sole proprietors and start-ups with very limited activity and basic business banking needs.

No Minimum Balance Requirement

● $100.00 minimum opening deposit

● $.25 per transaction over 50 per statement period

Statements are provided electronically with this account at no charge.  A monthly charge of $3.00 will be assessed if you choose to receive a paper statement.

Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.

Building_Dreams_Businesses

Small Business Checking

We take a consultative approach to customize our products and services to meet your business needs. We'll help you choose the account that meets your current needs and still has room to grow.  

This account type is best suited for small to mid-size businesses with lower monthly deposits and activity.

● $100.00 minimum opening deposit
● $10.00 monthly service charge balance requirement fee if Daily balance falls below $500.00 (fee will be waived if Average Daily Balance does not fall below $2500.00) 
● $.25 per transaction over 200 per statement period

Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.

Man_writing_check

Regular Business Checking

Our Regular Business Checking Account is perfect for the growing business with moderate activity.

● $100.00 minimum opening deposit
● $15.00 monthly service charge balance requirement fee if daily balance falls below $5000.00 (fee will be waived if Average Daily Balance does not fall below $10,000.00)
● $.25 per transaction over 400 per statement period

Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.

Shopping_farmers_market

NOW Business Checking (Interest Bearing)

The NOW Business account is available to unincorporated sole proprietors and non-profit organizations with modest to moderate activity.

● $100.00 minimum opening deposit
● $10.00 monthly service charge balance requirement fee if daily balance falls below $2,500.00
● $.25 per transaction over 400 per statement period
● $1,000.00 minimum daily balance to obtain disclosed annual
percentage yield - Current Rates to be directed to the Rates page. Look for the current NOW Account rates.

Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.

Female-credit-card-payment

Commercial Checking/Analyzed Account

The Analyzed Business account is designed to meet the needs of our large volume commercial business accounts that anticipate depositing and writing a large number of checks per month, as well as, buying and selling coin and currency. The Analyzed Business account receives an earnings credit to offset some or all of the monthly service charge based on the average investable balance in the account. The service charge is based on the volume of activity during the statement cycle.

● $12.00 monthly maintenance fee
● $0.14 per check paid
● $0.50 per deposit posted
● $0.08 per on-us item deposited
● $0.10 per other item deposited
● $0.07 per ACH debit or credit posted
● $0.10 per $100.00 cash deposited
● $0.10 per $100.00 cash purchased
● $0.10 per roll coin purchased
● $7.50 per deposited item returned
● Earnings allowance may offset some or all of the above fees

 

Voluteer

Non-Profits and Organizations

Checking accounts specifically designed and priced for Non-Profits and Organizations are available.  Please inquire at your local Branch office for details.