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  Business Deposit Accounts
 
  Minimum
To Open		 Minimum Balance Required To Avoid Service Charge

Service
Charge

 Interest
Paid		 E-Teller & E-Pay Check Images
Small Business Checking2
$100.00 $500.00 $10.00-No item charges Yes FREE1 FREE
Business Checking
$100.00 See Sample Analysis Below See Sample Analysis Below No FREE1 FREE
Performance Money Market3
$2,500.00 $2,500.00 $12.00 Yes FREE1 FREE
Statement Savings3
$100.00 $100.00 $2.00 Yes FREE1 N/A

1 Does not include Cash Management
2Available to Sole Proprietors, Nonprofits, & Government entities. (Corps & Partnerships not allowed).
3No more than 6 preauthorized, automatic, internet, or telephone transfers per month from the account to another account or third party.

Other Services Available
• Merchant Credit Card Processing
• Free Touch Tone Banking, call 1-800-914-6027
• Business Credit Cards
• Loans to fit your business needs with local loan decisions.
•

Cash Management

  1. ACH Direct Deposit of Payroll
  2. Wire Transfers and Stop Payments
  3. ACH Automated Payments
  4. Corporate to Corporate Payments
   

Sample Analysis

Earnings Credit
Average Daily Ledger Balance $10,000.00
Less Uncollected Funds $500.00
Average Collected Balance $9,500.00
Earnings Credit @ 3.00% (30 days) $23.43
Activity Charges No. of Items  
Checks @ $0.10 50 $5.00
Deposit item (on us) $0.03 30 $0.90
Deposit item (float) $0.05 100 $5.00
Acct. Maintenance fee -- $5.00
Total Activity Charges 50 -- $15.90
Less Earnings Credit -- $7.81
Monthly Service Charge
Monthly Service Charge $8.09
In this sample analysis, the earnings credit is greater than the Total Activity Charges, therefore, there would be NO service charge.
   
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Insurance and investment products are not deposits, not FDIC insured or insured by any
federal government agency, not guaranteed by the bank, and may go down in value.