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 | |
|---|---|---|---|
| Monthly Service Charges* |
$8 |
$10 |
$15 |
| Business Online Banking |
Available |
Available |
Available |
| Online Bill Payment |
Available |
Available |
Available |
| Business Debit Cards |
Available |
Available |
Available |
| Minimum Balance Required to Open Account |
$50 |
$100 |
$100 |
| 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 |
| 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*** |
| Monthly Statement Charges |
No charge for paperless statement (Business Online Banking required) $5 per account for paper statement |
No charge |
No charge |
| Statement with Check Images |
$5 per account, for images |
$5 for images |
No charge |
| 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 |
| More Details |
Interest Earning Accounts
| 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 |
*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.
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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