Business Checking & Savings

Because no two businesses are alike, we have a variety of business checking accounts for you to choose from, starting with Basic Business Checking and extending all the way to our comprehensive Analyzed Business Checking. Our savings accounts allow you to choose from options that range from traditional savings features to those that provide limited access and may offer higher rates of return. We also offer valuable business account services, which can add to the productivity, efficiency and bottom line of your business.

Basic Business Checking

A regular business checking account for companies, associations and clubs with basic business checking needs.
Description: Non-interest-bearing checking account
Opening Balance: $500.00
Minimum Balance: $5,000.00 Average
Monthly service charge: No charge for first thirty (30) checks paid, $0.20 each at 31+.
No charge for first thirty (30) ACH credits/ACH debits, $0.40 each at 31.
No charge for first ten (10) deposits, $1.25 each at 11+.
No charge for first thirty (30) checks deposited, $0.10 each at 31+.
No charge for currency for first $5,000.00 deposit/withdrawn, $1.25 per $1,000.00 at $5,000.00+.
Maintain an average monthly balance of $5,000.00 and pay no monthly service charge. If balance requirement is not met, there is a $15.00 monthly fee.

Benefits:

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  • Ideal for small and growing businesses with low account activity

Solutions Business Checking

A business checking account for businesses with greater account activity.
Description: Non-interest checking account
Opening Balance: $500.00
Minimum Balance: $20,000.00 Average
Monthly service charge: No charge for first 100 checks paid, $0.20 each at 101+.
No charge for first 100 ACH credits/ACH debits, $0.40 each at 101+.
No charge for first 25 deposits, $1.25 each at 26+.
No charge for first 100 checks deposited, $0.10 each at 101+.
No charge for currency for first $25,000.00 deposited/withdrawn, $1.25 per $1,000.00 at $25,000.01+.
Maintain an average monthly balance of $20,000.00 and pay no monthly service charge. If balance requirement is not met, there is a $20.00 monthly fee.

Benefits:

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  • More flexibility in managing banking transactions
  • Offers more transaction activity at no cost than Basic Business Checking

Analyzed Business Checking

A business checking account for companies having special needs and/or higher volume transactions.
Description: Non-interest checking account
Opening Balance: $500.00
Minimum Balance: Varies
Monthly service charge: Maintenance Fee of $15.00 per month. Earnings credit to offset service charges. Tailored to your business needs. Tied to entire relationship.

Benefits:

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  • Monthly earnings credit applies to this account

Community Service Checking

An economical account for non-profit organizations.
Description: Non-interest checking account
Opening Balance: $100.00
Minimum Balance: $50.00
Monthly service charge: Allows four (4) deposits per month containing up to 50 checks per deposit. More than 4 deposits per month or a balance below the $50.00 minimum incurs a $10.00 monthly fee.

Benefits:

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  • A low cost account with low minimum balance requirements for non-profit organizations

Business Money Market

A limited transaction account offering interest and flexibility for business customers.
Description: Interest-bearing checking account
Opening Balance: $2,500.00
Minimum Balance: $2,500.00
Monthly service charge: Maintain a minimum balance of $2,500.00 and pay no monthly fee. If balance requirement is not met, there is a $10.00 monthly fee. There is a $10.00 per item charge for more than six(6) debits during the statement period.

Benefits:

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  • Market rate interest on balances over $2,500.00

Business Savings Account

A traditional savings account for all business types.
Description: Interest-bearing savings account
Opening Balance: $500.00
Minimum Balance: $300.00
Monthly service charge: Maintain a minimum balance of $300.00 and pay no fee. If balance requirement is not met, there is a $5.00 quarterly fee. This account offers limited transactions.

Benefits:

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  • Variable rate interest compound daily and credited quarterly

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