Checking

Commercial Analysis Checking

For our business customers, we offer a checking account specifically designed for you. Your collected account balance during the month determines an "earnings allowance" which offsets or reduces the account analysis charges during that month. We will assist you in determining the most beneficial minimum balance needed for effective cash management.

Account Analysis Charges:
Maintenance Fee $10.50 per month
Checks Paid $.20 per item
Deposits Posted $.10 per item
On-Us Items Deposited $.08 per item
Transit Items Deposited $.15 per item
Reserve Requirement 10%


FDIC insurance will be charged at the rate charged the Bank.

Earnings Credit - 90 day Treasury Bill Index Rate
Negative Funds Charge - Wall Street Journal prime rate plus 3%
 

Commercial Balance Checking

For our business customers with low transactions volume, we offer our Commercial Balance account.  By maintaining a minimum balance and less than 50 debit items, monthly service fees can be avoided.