Business Banking

Small Business Checking

• $500.00 minimum balance.
• Opening balance of $100.00.
• $7.50 service charge if balance falls below minimum.
• 30 debits allowed per month; $1.00 per debit item over 30.
• 20 deposits allowed per month; $1.00 per deposit over 20.
• $7.00 credit toward check purchase.

Business Checking

• $1,000.00 minimum balance.
• Opening balance of $100.00.
• $7.50 service charge if balance falls below minimum.
• 100 debits allowed per month; $1.00 per debit item over 100.

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Commercial Checking Analysis

• $10.00 monthly analysis charge.
• Per item fees: 
• .10 per debit
• .25 per deposit
• .05 per deposited item
• $5.00 charge per return item.
•  Earnings credit rate applied to collected balance – reserve required.

Community Checking

• Non-profit organizations, fiduciary.
• No service charge.
• Opening balance of $100.00.

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Community Savings

• Non-profit organizations.
• Opening balance of $100.00.
• 3 withdrawals allowed per month; $2.00 fee per withdrawal over 3.
• Interest paid quarterly.

Business Savings

• $300.00 minimum balance.
• Opening balance of $100.00.
• 3 withdrawals allowed per month; $2.00 fee per withdrawal over 3.
• Service charge - $3.00 per month below minimum balance.
• $15.00 fee for account closed within 90 days.
• Interest paid quarterly.

American Money Market

• $1,000.00 minimum balance.
• Opening balance of $100.00.
• $7.00 service charge if balance falls below minimum.
• 6 debits, 3 of which may be third party checks, allowed per month; $5.00 per debit item over 6.
• Interest paid monthly.
• Tiered/Variable rates:
• $1,000 - $9,999
• $10,000 - $49,999
• $50,000 - $99,999
• $100,000 - up

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