Commercial Money Market

• Minimum deposit to open – $1,000
• No minimum balance required to earn interest
• Monthly Maintenance Fee: None, if $2,500 minimum daily balance or
  $5,000 average collected balance. Otherwise $12
• Six (6) total debit transactions allowed per statement cycle
• If debit limits are exceeded, fee is $15 per excessive transaction
• If an account continuously exceeds the debit transaction limit, we are
  required by law to close the account or transfer the account to another type of
  business account
• No check card available on account
• Interest is compounded daily, credited monthly and paid on collected balance
• Tiered interest rates based on account balance are subject to change without notice

$0.01 – $10,000.00
$10,000.01 – $25,000.00
$25,000.01 – $50,000.00
$50,000.01 – $100,000.00
$100,000.01 and over

Premium Commercial Money Market

This account is designed to reward higher balances with a corresponding higher interest rate. Maximizes interest while retaining access to funds.

• Minimum deposit to open – $25,000
• No minimum balance
• $20 monthly maintenance fee
• Maintenance fee can be avoided by maintaining a $25,000 minimum daily balance or $50,000 average collected balance
• Six (6) total debit transactions allowed per statement cycle
• If debit limits are exceeded, fee is $20 per excessive transaction
• If an account continuously exceeds the debit transaction limit, we are required by law to close the account or transfer the account to another type of account
• Interest is compounded daily, credited monthly and paid on collected balances
• No minimum balance required to earn interest.
• No Check Card available on this account.
• Tiered interest rates based on account balances are subject to change without notice.

$0.01 – $25,000.00
$25,000.01 – $100,000.00
$100,000.01 – $250,000.00
$250,000.01 – $750,000.00
$750,000.01 and over

Interest on Lawyer’s Trust Account (IOLTA)

Minimum deposit to open – $100
Account activity charges based on analysis of per item fees as follows:

$15 monthly maintenance fee
$.15 per debit item
$.09 per on-us deposited item
$.11 per foreign deposited item
$.80 per deposit

Compensating balances may offset all or portions of the maintenance fee and activity charges.
Amount remitted to State Bar Association: Earnings credit less total account activity charges.