The perfect account for businesses with low transaction volume

• Minimum deposit to open - $100
• No minimum balance requirement
• No monthly maintenance fee
• 150 free combined debits, credits and deposited items per statement cycle
• $.30 charge per item over 150, regardless of the account balance
• If monthly transactions and cash handling services exceed account parameters, bank reserves the right to convert account to the appropriate business account
• Free electronic monthly statement; printed statements available for $2 per month
• Under the FDIC’s Transaction Account Guarantee Program, through June 30, 2010, all deposits in this account are fully guaranteed by the FDIC for the entire amount in the account. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

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This account allows for higher transaction volume for small businesses and associations

• Minimum deposit to open - $100
• Monthly Maintenance Fee: None, if $2,500 minimum daily balance or $5,000 average collected balance. Otherwise, $12
• 300 free combined debits, credits and deposited items per statement cycle
• $.30 charge per item over 300, regardless of the account balance
• Under the FDIC’s Transaction Account Guarantee Program, through June 30, 2010, all deposits in this account are fully guaranteed by the FDIC for the entire amount in the account. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

By law, this account is only available to non-profit and sole proprietorship entities

• Minimum deposit to open - $100
• Monthly Maintenance Fee: None, if $2,500 minimum daily balance or $5,000 average collected balance. Otherwise, $12
• 150 free combined debits, credits and deposited items per statement cycle
• $.30 charge per item over 150, regardless of the account balance
• Interest is compounded daily, credited monthly and paid on collected balances

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Best suited for accounts with a large number of monthly transactions. Use your monthly account balance to help offset activity charges

• Minimum deposit to open - $100
• $15 monthly maintenance fee
• 10% Reserve Requirement
• Earnings credit calculation: Collected Balance – 10% Reserve Requirement
• Negative collected balance charged at a rate of Bank’s stated rate of Prime + 3%, calculated daily
• Compensating balances may offset all or portions of the maintenance fee and account activity charges
• Under the FDIC’s Transaction Account Guarantee Program, through June 30, 2010, all deposits in this account are fully guaranteed by the FDIC for the entire amount in the account. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

Account activity charges based on analysis of per item fees as follows:
            $.15     per debit item
            $.09     per on-us deposited item
            $.10     per foreign deposited item
            $.80     per deposit
            $.15     per ACH deposit
            $.25     per $100 cash handled
            $.25     per roll coin purchased

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• 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

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

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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.

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