Commercial Banking
Bringing heavy weight value to your business.
Business opportunities can strike suddenly. You need a responsive financial partner providing access to a comprehensive package of products and services to knock out the competition. We make our decisions locally and can quickly and agilely respond to your lending, treasury management and investment needs. We are always there in your corner.
Use the chart below to compare the commercial checking account options available to meet you unique checking needs.
| Business Analysis Checking
| Business Interest Analysis Checking
| Business Net Analysis Checking
|
| Designed For | Organizations with high monthly transaction volume providing an earnings credit allowance to offset fees and full FDIC insurance coverage
| High monthly transaction volume organizations offering competitive rate of interest
| High monthly transaction volume organizations desiring flexible interest and earnings credit options
|
| Opening Requirements | $50
| $50
| $50
|
| Monthly Maintenance Fee | Yes1 | Yes1 | Yes1 |
How To Avoid Or Reduce Maintenance Fee
| No minimum balance requirement | No minimum balance requirement | No minimum balance requirement |
| Transaction Allowance | Unlimited 1 | Unlimited 1 | Unlimited 1 |
| Earnings Credit Allowance | Yes | N/A
| Yes |
| Earns Interest | N/A | Yes | Yes 3 |
| Interest Tiers | N/A | $0 - $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 + | $0 - $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 + |
| Online Banking & Bill Pay | Yes
| Yes
| Yes
|
| Extras | - Treasury Management Service options
- eStatements available
- Business Debit Card
- Business Credit Card
- Partnership Perks for Employees
| - Treasury Management Service options
- eStatements available
- Business Debit Card
- Business Credit Card
- Partnership Perks for Employees
| - Treasury Management Service options
- eStatements available
- Business Debit Card
- Business Credit Card
- Partnership Perks for Employees
|
| Additional Fee Information | Please refer to Schedule of Service Charges & Fees | Please refer to Schedule of Service Charges & Fees | Please refer to Schedule of Service Charges & Fees |
1 Monthly maintenance fee applies. Per item charges will be assessed for
each transaction. Please contact our Customer Service Center at
1.877.820.2265 for additional information.
2 Federal Regulation D limits certain types of withdrawal and transfer
transactions you can make out of your savings or money market account to
a maximum combined total of six (6) preauthorized transfers per month.
These transactions include automatic transfers for overdraft coverage
to your checking account, checks, drafts or similar other withdrawals
payable to third parties, point-of-sale (POS) purchase transactions with
an ATM/debit card, or by preauthorized or automatic payment transfers
(including ACH and wire transfers) via telephone or online (including
Bill Pay). Excessive transactions may result in the Bank, at its
discretion, either closing your account or changing your account to a
noninterest-bearing account.
3 Interest for the Business Net
Analysis Checking account is calculated and paid on the net remaining
average available balance after service charges are offset by earnings
credit.