Account Type Minimum Opening Balance Minumum Balance to Avoid Service Charge Service Charge Interest Bearing
Small Business Checking

$100

$2,500 minimum daily balance or $5,000 average monthly balance

$12 (monthly)
$.25 per debit item paid over 50 per statement cycle

No

Small Business Checking

  • Tailored to meet the needs of the small business owner
  • No monthly service charge if you meet the low minimum or average daily balance requirements
  • Write up to 50 checks per monthly statement cycle at no charge
  • No charge for deposits, deposited items, or other credits
  • Free Online Cash Management and Bill Payment
  • No charge ATM/Debit card, learn more...
  • Check images returned with monthly statements for easy reconciliation and record keeping
N.O.W. Business Checking

$100

$1,500 minimum daily balance or $2,500 average monthly balance

$10 (monthly)

Yes if balance over $1,500
Contact us for Rates

N.O.W. Business Checking

  • Suitable for Non-Profit Organizations and Sole Proprietorships
  • Offers a variable rate of interest that reflects market conditions
  • Interest is compounded daily and credited monthly
  • Convenience of unlimited check writing
  • Free Online Cash Management and Bill Payment
  • No charge ATM/Debit card, learn more...
  • Free check images with your monthly statement for easy reconciliation and record keeping
Commercial Checking

$100

N/A

$12 (monthly)
Debits: $.15 per item paid or ACH debit
Credits: $.12 per item deposited or ACH credit (Earnings credit for balances maintained may offset or eliminate service charges)

No

Commercial Checking

  • Tailored to meet the needs of businesses with transaction activity that exceeds the limits of our Small Business Checking account
  • Features the additional benefit of an earnings credit, which can be used to offset service charges, learn more...
  • Earnings credit rate is established by the bank and applied against the average collected balance minus reserve requirements
  • Group multiple Commercial Checking Accounts and use excess earnings credit from one account to offset charges from another account
  • Free Online Cash Management and Bill Payment
  • No charge ATM/Debit card, learn more...
  • Free check images with your monthly statement for easy reconciliation and record keeping
Commercial Savings Account

$100

None

None

Tiered
Contact us for Rates

Commercial Savings Account

  • Offered only to Clients who maintain a Business Checking Account
  • Easy access to funds with no withdrawal penalties
  • Savings Account may be linked to your Business Checking or NOW Account to provide Overdraft Protection, learn more...
  • Free Online Cash Management
  • Deposits limited to transfers from Business Checking
  • Interest is compounded daily and credited monthly
Money Market Account

$2,500

$2,500 minimum daily balance or

$5,000 average monthly balance

$8 (monthly)

Tiered
Contact us for Rates

Money Market Account

  • Offered only to Clients who maintain a Business Checking Account
  • Federally insured investment account
  • Offers a competitive tiered rate of interest
  • Free Online Cash Management
  • Interest is compounded daily and credited monthly
Certificate of Deposit

$1,000

None

None

Tiered
Contact us for Rates

Certificate of Deposit

  • Offered only to Clients who maintain a Business Checking Account
  • Competitive rates
  • Maturities range from 3 months to 60 months
  • Interest is compounded monthly and credited monthly
  • Free Online Cash Management
  • Early withdrawal penalties may apply
CDARS Certificate of Deposit

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CDARS Certificate of Deposit

  • Offered only to Clients who maintain a Business Checking Account
  • Receive full FDIC insurance on deposits that exceed the bank's insurance limit
  • Receive one account statement listing all your CD's
  • Earn one rate on your entire investment
  • Learn more about CDARS by clicking below

Click here for CDARS information