Commercial Checking

Account Fees:

• This account does not require a minimum balance.
• The following charges apply:
  
  
  • Maintenance fee of $6.00.
  • Checks/ACH/EFT/ATM/POS debits $.20 per item.
  • Transit items $.10 per item over 25 items.
  • Credit against service charge $.10 per $100.00 average collected during statement cycle.

Small Business Checking

Account Fees:

• This account does not require a minimum balance.
• The following charges apply:
  
  
  • Maintenance fee of $5.00.
  • Checks/ACH/EFT/ATM/POS debits $.20 per item over 30 items per month.
  • Transit items $.20 per item over 60 items per month.
  • Credit against service charge $.15 per $100.00 average collected balance during statement cycle.

Business NOW Checking Account

This account is available only to customers who meet eligibility requirements set by law. Generally, "for profit" corporations are not eligible.

Account Fees:

• This account does not require a minimum balance.
• The following charges apply:
  
  
  • Maintenance fee of $6.00.
  • Checks/ACH/EFT/ATM/POS debits $.20 per item.
  • Transit items $.10 per item over 25 items per month.

Rate Information:

• This account is an interest bearing account.
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts DAILY.
• Interest begins to accrue no later than the business day we receive credit for the deposit on non-cash items (for example, checks).
• Interest will be compounded monthly for checking accounts.
• We use the daily balance method to calculate the interest on an account.
• This method applies a daily periodic rate to the principal in the accounts each day.

Money Market Fund Checking Account

Account Fees:

• If the balance falls below an average collected balance of $1,000.00, maintenance fee of $10.00 will apply.

Rate Information:

• This account is an interest bearing account.
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts DAILY.
• Interest begins to accrue no later than the business day we receive credit for the deposit on non-cash items (ex. checks).
• Interest will be compounded monthly for checking accounts.
• We use the daily balance method to calculate the interest on an account.
• This method applies a daily periodic rate to the principle in the accounts each day.

Limitations:

• You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction.  Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
• Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.