Business checking to fit your business โ€“ and your budget.

Free Business Checking

Free Business Checking accounts are non-interest bearing accounts designed for our business customers who process less than 200 items during a monthly statement cycle. There will be no earnings allowance calculated on any account that incurs a fee for processing in excess of 200 items.

  • $50 minimum opening balance;
  • No minimum monthly balance requirement;
  • The first 200 items processed per statement cycle are free, additional items will be processed at a fee of $.40 each. Items are considered checks written, deposits and deposit items processed.
  • NSF fees, overdraft fees, stop payment fees, and other miscellaneous fees will be in accordance with the current fee schedule;
  • Monthly statements provided with images;
  • Non-interest bearing;
  • Up to three (3) free accounts.

Night Depository Services
Authorized Disposable bags (per bag) No charge
Locked Bag processed (per bag w/out customer present) $2.00
Locked Bag processed (per bag with customer present) $5.00
Locked Bag held overnight (per bag picked up unprocessed) $5.00
Cash Handling Charges
Cash Deposited (after first $25,000 per month) $.10/$100
Coin provided (per roll) $0.05
Currency provided (per strap) $1.00
   
CD ROM Imaging (per CD) $25.00

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Business Select Checking

Business Select Checking is designed to meet the growing needs of businesses with moderate to high checking transaction volume. It provides customers the fl exibility, accessibility and security needed as their business needs expand. It includes electronic record-keeping solutions, higher transaction volumes and other cash management tools that allow customers to save time and money by banking more effi ciently.

  • $1,000 minimum opening balance
  • Monthly maintenance fee โ€“ $20.00 if daily balance falls below $10,000
  • First 400 Items processed free per statement ($0.40 per Item over 400 โ€“ Items are considered checks written, deposits and deposit Items processed)
  • FREE Cash Handling
  • Free Business Debit Card
  • Monthly statements provided with images
  • Perks at Work employee checking package available with outstanding offers and discounts for your employees
  • Night Depository Services

Night Depository Services
Authorized Disposable bags (per bag) No charge
Locked Bag processed (per bag w/out customer present) $2.00
Locked Bag processed (per bag with customer present) $5.00
Locked Bag held overnight (per bag picked up unprocessed) $5.00
Cash Handling Charges
Cash Deposited (after first $25,000 per month) $.10/$100
Coin provided (per roll) $0.05
Currency provided (per strap) $1.00
   
CD ROM Imaging (per CD) $25.00

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Analysis Business Checking

Business Account Analysis Checking Accounts permit unlimited transactions and are non-interest bearing.

  • A monthly Service Fee will be calculated, based upon the current analysis table;
  • An initial deposit of $50 is required to open the account;
  • No minimum monthly balance requirement;
  • The account is available to any business, including sole proprietors and individuals doing business under a trade name;
  • Image statements are mailed monthly;
  • Non-interest bearing.

Account analysis is a process whereby the Bank monitors all account activity of the business customer as well as any additional service rendered in conjunction with the processing of items on statement processing day. All transactions occurring during the month are accumulated. In addition, the bank monitors the average collected balance and applies a market-based rate to determine the account's earning credit. The earnings credit is applied to the cost of processing. If the earnings credit exceeds the cost of processing, no monthly fee is assessed. If the cost of processing exceeds the earnings credit, the net cost represents the monthly fee and the monthly fee will be deducted from the business account. Business customers have the option of maintaining a collected balance to offset cost of processing or have a monthly fee assessed.

The Bank also has the ability to offer a combined analysis for multiple accounts, so that you can take full advantage of your banking relationship.

Analysis Business Checking is designed to allow businesses having higher volume transactions the opportunity to offset banking service fees with earnings credit based upon the net investable balance of the account or combined accounts. (see chart below for cost of each transaction).


Account analysis charges are automatically charged to the account.

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