Business Checking

Improve your business with smarter checking options.

The right checking account frees you up to focus more on your projects, customers, and day-to-day operations. Whether your company is hundreds strong or you’re the sole proprietor of a small business, we offer checking accounts to help you manage your checking needs more effectively. Simplify transactions, improve access to your funds, and take advantage of a range of additional services.

Non-Interest Earning Accounts

Business Checking

Commercial Checking

Commercial Checking Plus

Non-Profit Checking

	Business Checking	Commercial Checking	Commercial Checking Plus	Non-Profit Checking
Monthly Service Charges*	$8	$10	$15	$5
Business Online Banking	Available	Available	Available	Available
Online Bill Payment	Available	Available	Available	Available
Business Debit Cards	Available	Available	Available	Available
Minimum Balance Required to Open Account	$50	$100	$100	$50
Transaction Charges	Over 100 items (checks paid, checks deposited, deposit tickets) $0.40 each; unlimited electronic transactions	Per item paid $0.15, per item deposited $0.12, per deposit ticket $0.10, uncollected balance position based on bank reference rate*** ACH debit $0.12/credit $0.10	Per item paid $0.18, per item deposited $0.15, per deposit ticket $0.25, uncollected balance position based on bank reference rate*** ACH debit $0.12/credit $0.10	Over 100 items (checks paid, checks deposited, deposit tickets) $0.40 each; unlimited electronic transactions
Qualifier to Avoid Monthly Service Charges	$1,000 average available balance, excess monthly transaction charges will continue to apply	None	Investable balance/earnings credit, account analysis***	$250 average available balance, excess monthly transaction charges will continue to apply
Monthly Statement Charges	No charge for paperless statement (Business Online Banking required) $5 per account for paper statement	No charge	No charge	No charge for paperless statement (Business Online Banking required) $5 per account for mailed statement
Statement with Check Images	$5 per account, for images	$5 for images	No charge	$5 per account, for images
CD-Rom Statement Checks (front/back) and Deposit Tickets Included	$25 per account, per statement	$25 per account, per statement	$25 per account, per statement	$25 per account, per statement
More Details	Learn More	Learn More	Learn More	Learn More

Interest Earning Accounts

Interest Earning Business Checking**

Business Money Market (MMA)

	Interest Earning Business Checking**	Business Money Market (MMA)
Monthly Service Charges	$10	$10
Business Online Banking	Available	Available
Online Bill Payment	Available	Not Applicable
Business Debit Cards	Available	Not Applicable
Minimum Balance Required to Open Account	$50	$100
Transaction Charges	Over 100 items (checks paid, checks deposited, deposit tickets) $0.40 each; unlimited electronic transactions	Over 6 withdrawals $1 each. Over 25 checks deposited, $0.40 each. You may make 6 transfers from account each statement cycle, up to 6 by check to third parties or remaining preauthorized transfers by automated debit or telephone. A $10 excess transaction fee may apply.
Qualifiers to Avoid Monthly Service Charges	$2,500 average available balance	$2,500 average available balance, excess monthly transaction charges will continue to apply
Minimum Available Balance to Earn Interest	$1,000	$1,000
Monthly Statement Charge	No charge for paperless statement (Business Online Banking required) $5 per account for paper statement	No charge
Statement with Check Images	$5 per account, for images	$5 per account, per statement
CD-Rom Statement Checks (front/back) and Deposit Tickets Included	$25 per account, per statement	$25 per account, per statement
More Details	Learn More	Learn More

*The Monthly Service Charges will post even if no checks are paid/deposited.
**Only Non-Incorporated Sole Proprietorships are eligible for interest bearing, transaction accounts.
***Fees are reduced by an earnings credit which is calculated using a periodically established market rate, times the average investable balance in your account during the month. The investable balance is determined by subtracting deposit float and reserve requirements from the average available balance. If the investable balance for your account falls below zero, which can occur when you use uncollected funds, a fee will be assessed based on the bank’s reference rate.

It’s your business. Get an account that matches your unique needs.

Give us a call or visit a banking office to discuss your options and open a business checking account.

Business Debit Card

Gain quick and secure access to your business checking account funds through a business debit card. Make purchases anywhere Visa is accepted.

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Anytime Banking

Gain control over your company’s finances with Anytime Banking, a range of free services to help you securely manage your accounts at any time and from anywhere.

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Manage

Simplify your business operations. Just like the right equipment makes a job easier to complete, having the right tools makes your company more efficient. We offer a range of convenient services to support your business, your customers, and even your shareholders.

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