Business Checking

All businesses are different and unique in their own way. We think we have a business account that is right for you.

Basic Business

• No Minimum Balance
• No Monthly Service Charge
• 150 free deposited items per month; $.25 per item deposited over 150
• 50 free paid checks per month; $.25 per item paid over 50
• No fee Visa Check Card

Expanded Business

This account is designed for a moderate to large volume of activity.

• $5000 Minimum Balance
• $10 maintenance fee if balance falls below minimum
• 300 free deposited items per month; $.25 per item deposited over 300
• 100 free paid checks per month; $.25 per item paid over 100
• No fee Visa Check Card

Business Super Now

Businesses eligible to hold NOW accounts (i.e. Sole Proprietorships and Non-Profit Organizations) can be placed in this account. Interest earned on collected daily balance-minus 3% reserve requirement.

• $5000 Minimum Balance
• $10 maintenance fee if balance falls below minimum
• 75 free deposited items per month; $.25 per item deposited over 75
• 25 free paid checks per month; $.25 per item paid over 25
• No fee Visa Check Card

Business MMDA

Your business can earn competitive interest on its savings with the funds being accessible should you need them. This account is ideal for a business that is interested in earning interest but are unable to do so in checking accounts. The account offers a tiered interest rate depending on the minimum daily balance in your account. The tiers are $0.01 - $24,999.99; $25,000.00 - $74,999.99; $75,000 and Over.

• $2,500 Minimum balance to earn interest
• $12 Maintenance fee if balance falls below minimum
• 25 free deposited items per month; $.25 per item deposited over 25
• Free unlimited transfers made at the teller line
• 3 free withdrawals allowed per month (this includes third party checks, ACH, and Internet withdrawals); $5.00 excess check fee per withdrawal over the allowed 3 per statement cycle

Business Analysis

This account is for those businesses with high activity or a need for multiple accounts. There is a 10% reserve requirement on all balances.

• An earning credit is calculated based on the account's average collected balance and is used to offset charges on the account
• Analysis statement
• $10 Maintenance fee
• $.12 per item paid per month
• $.12 per item deposited per month
• ACH origination - $25 per month or $5 per file whichever is higher
• Incoming wire $10
• Outgoing wire $20
• Currency furnished $.10 per $1,000
• Coin furnished $.05 per roll
• Other charges may be specified

Sweep Accounts

We also offer Sweep Accounts for those who need a convenient cash management tool that sweeps excess funds into an interest bearing portion of the account. There is a $25 per month maintenance fee. Please see our New Account specialist for more details.