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Checking Accounts

Business Checking

Minimum balance to open: $100.00

Minimum balance to avoid a fee:

Deposit limitations: You may make unlimited deposits into your account.

Fees and charges: $5.00 per month service fee.

$.12 per check fee.

Additional Terms: In order to qualify for consideration as a non-service charge business account, the entity must meet the following criteria: An unincorporated association or organization (religious, charitable, educational or tax exempt), recreation or club accounts, political or campaign funds.

Credit against fees: The account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily balance in the account for the period. Currently, the periodic earnings credit rate for your account is $.10 per $100.00 of balance. At any time and at our discretion, the periodic earnings credit rate may change. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle.

You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.

Earnings credit begins to accrue on the business day you deposit non-cash items (for example, checks).

Summary:

Description:

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