Checking Accounts

Business & Industry Checking Account

This business account is intended to grow with you as your business grows. An initial deposit of $100.00 is required to open the account.

Level I Feature:

Account Analysis will be performed. All accounts with fewer than 200 transactions (checks paid,deposits made, deposited items, ACHs) will not receive a monthly account maintenance charge. Once the transation limit is met the account will assume the Level II business features and charges.

Level II Feature:

Account Analysis will be performed. All accounts with greater than 200 transactions (checks paid, deposits made, deposited items, ACHs) will receive a monthly account maintenance charge of $10.00 and additional charges based upon the account analysis format (per item charges for debits and credits). Charges may be offset by maintaining a sufficient balance in the account based on an earnings credit calculation.

Additional Features:

Imaged checks returned monthly, 24 Hour telephone access, Free basic internet banking, Online statement delivery, and Account Analysis Statements provided monthly for Level II customers.

E-Money Market Accounts

This account offers the best of both, state of the art technology and competitive interest rates. You must agree to Internet Banking and receiving Online Statements with imaged checks. This is an interest bearing account that requires an initial deposit of $2,500.00. To avoid a monthly maintenance fee of $15.00, the balance on this account must remain above $2,500.00 every day of the cycle. A monthly service charge of $5.00 will be imposed every statement cycle that does not have Internet Banking usage at least once during the statement cycle. This account features 24 Hour Phone Access and Internet Banking.

• First Tier - you must maintain a minimum balance of $2,500.00 to $9,999.99 in the account each day to obtain the disclosed annual percentage yield
• Second Tier - you must maintain a minimum balance of $10,000.00 to $24,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Third Tier - you must maintain a minimum balance of $25,000.00 to $49,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Forth Tier - you must maintain a minimum balance of $50,000.00 or more in the account each day to obtain the disclosed annual percentage yield.

There are transaction limitations. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft or similar order to third parties. An excess transaction fee of $5.00 will be charged for each debit transaction in excess of the above limitations.

Money Market Accounts

For those of you who want interest without the Internet requirements this account should suit your needs. An initial deposit of $2,500.00 is required to open this account. To avoid a monthly maintenance fee of $15.00, the balance on this account must remain above $2,500.00 every day of the statement cycle. Imaged checks will be returned monthly with your statement. This account features 24 Hour Phone Access and Internet Banking.

• First Tier - you must maintain a minimum balance of $2,500.00 to $9,999.99 in the account each day to obtain the disclosed annual percentage yield
• Second Tier - you must maintain a minimum balance of $10,000.00 to $24,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Third Tier - you must maintain a minimum balance of $25,000.00 to $49,999.99 in the account each day to obtain the disclosed annual percentage yield.
• Forth Tier - you must maintain a minimum balance of $50,000.00 or more in the account each day to obtain the disclosed annual percentage yield.

There are transaction limitations. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft or similar order to third parties. An excess transaction fee of $5.00 will be charged for each debit transaction in excess of the above limitations.

*A professional record binder or folder accompanies all of the above accounts.