The perfect account for businesses with low transaction volume

• Minimum Opening Balance:  $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

If monthly transactions and cash handling services exceed account parameters, bank reserves the right to convert account to the appropriate business account.

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

• Minimum Opening Balance:  $100
• $2,500 minimum daily balance or $5,000 average collected balance to avoid $12 maintenance fee
• 300 free combined debits, credits and deposited items per statement cycle
• $.30 charge per item over 300
  

This account is available to non-profit and sole proprietorship entities

• Minimum Opening Balance:  $100
• $2,500 minimum daily balance or $5,000 average collected balance to avoid $12 maintenance fee
• 75 free combined debits, credits and deposited items per statement cycle
• $.30 charge per item over 75

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 Opening Balance:  $100
• $16 Monthly Maintenance Fee
• 10% Reserve Requirement
• Compensating balances may offset all or portions of the maintenance fee and activity charges
• 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

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 credit
                $.25 per $100 cash handled
                $.25 per roll coin purchased

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• Minimum Opening Balance:  $1,000
• No minimum balance required.
• $2,500 minimum daily balance or $5,000 average collected balance to avoid $12 maintenance fee
• Transaction limitations apply.  6 withdrawals per statement cycle, only three (3) of which may be by Check or ACH/wire to a third party. 
  If debit limits are >6, fee:  $15.  If account continuously exceeds the debit transaction limit, bank may be required to close the account and transfer to
  another type of account that allows more transactions per cycle

Interest is compounded daily, credited monthly and paid on the collected balance.
Tiered interest rates based on account balances are subject to change without notice.
$0 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 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 required.
• $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/transfers allowed per statement cycle, only three of which may be by check or ACH/wire to a third party. If these debit or check limits are exceeded, a $20 transaction fee will be imposed on the account. If an account continuously exceeds the debit transaction limit, we are required by law to close the account or transfer the account to the appropriate business account.
• Tiered interest rates based on account balances are subject to change without notice.
  $0 - $24,999
  $25,000 - $99,999
  $100,000 - $249,999
  $250,000 - $749,999
  $750,000 and over
• 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.