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Business Checking

Business Checking

Business Checking

Our Business Checking account is a regular / basic business account with unlimited check writing privileges. It’s best suited for businesses with a need for an operating account to conduct their business and have flexibility.

Monthly service charges can be offset by an earnings credit per $100 average available balance which is variable and subject to change monthly. No minimum balance required. There is a $10 monthly maintenance fee as well as a $0.15 fee per debit item (paper). A minimum initial deposit of $100 is required.


Business N.O.W.

Our Business N.O.W. account is an interest bearing business account with unlimited check writing privileges. It is not available to Corporations, Partnerships, and the like. It’s best suited for sole proprietorship and certain non-profit organizations that wish to invest funds while maintaining access to those funds and have flexibility.

Interest is paid to the account on a monthly basis. A $1,000 minimum balance required. There is a $10.00 monthly maintenance fee, a $0.17 per withdrawal fee, and a $0.14 per deposit item fee.

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Business I.M.M.A.

Our Business I.M.M.A. account is an interest bearing business account with limited check writing and transfer privileges. Available to all types of businesses. It is best suited for businesses who wish to invest funds into account while still maintaining limited access to those funds when necessary.

This account features no monthly maintenance fee if required minimum balance is maintained and it pays a higher rate of interest than the Business N.O.W. account. A $2,500 minimum balance is required. There is a $10.00 monthly maintenance fee if the balance falls below $2,500.00, a $0.15 per deposit item fee, and a $10.00 excessive withdrawal fee.

Six(6) preauthorized withdrawals are allowed per statement period.

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Sweep Account

A Sweep Account is a regular checking account with a savings feature. The customer sets daily maximum and minimum balances. When the checking account balance falls outside that range, the excess is “swept” into or out of an interest bearing account. It is best suited for commercial customers and consumers who have deposit balances that vary greatly and want to earn interest on their excess short-term deposits.

Automatic transfer is based on pre-determined minimum and maximum balances. There are no transfer fees and no setup fees. The interest bearing portion of the account earns interest. Regular checking account fees apply. No additional fees are incurred for the “Sweep feature.” There is a limit of six preauthorized withdrawals (including overdraft protection transfers) allowed per statement period.

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