Organization / Association

Non-profit organizations, churches, clubs or associations qualify for this type account. No service charge if the minimum balance is maintained throughout the statement cycle.

More Information

  • Minimum balance to open account of $25.00
  • Monthly account statements
  • Funds insured by FDIC to $250,000
  • Free Online Banking with BillPay
  • Free E-Statements
  • A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 during the statement cycle.

Business Basic

This checking account provides business owners more control over fees and account activity. This account is ideal for start-ups and smaller businesses.

More Information

  • Minimum balance to open account of $25.00
  • Monthly account statements
  • Funds insured by FDIC to $250,000
  • Free Online Banking with BillPay
  • Free E-Statements
  • Designed for small business or non-personal accounts with activity levels of less than 200 transactions per statement cycle
  • $10.00 maintenance fee per month
  • No minimum balance requirement

Business Select

This account is designed for high volume transaction activity. This account utilizes deposit balances to earn credit that can offset service charges on your account.

More Information

  • Minimum balance to open account of $25.00
  • Monthly account statements
  • Funds insured by FDIC to $250,000
  • Free Online Banking with BillPay
  • Free E-Statements
  • Designed for large business or non-personal accounts with activity levels greater than 200 transactions per statement cycle
  • Service charges offset with earnings credit on balances maintained
  • Account Analysis will be used to determine service charges
  • Account Analysis parameters:
    • Account maintenance fee $15.00
    • Debits/checks $0.10
    • Credits $0.50

Accounts will receive an earnings credit through an account analysis routine. The credit will be calculated using the Fed Funds Target Rate less 1.00% applied against the average daily collected balance for the month less 10% for legal reserve requirement. The resulting credit is applied against the service charge calculated according to transaction volume using the per item charges above. If the calculated earnings credit is greater than the calculated service charge, there is no service charge assessed. If the service charge is greater than the earnings credit, the account will be charged the difference. Any applicable miscellaneous charges for services such as coin, currency, etc. will not be a part of the analysis calculation but will be charged separately.

Now Checking Account

This is an interest bearing checking account available to select business entities. If you maintain a daily minimum balance greater than $5,000 and want to earn interest on your funds, then this may be the account for your business.

More Information

  • Interest bearing
  • Minimum to open account: $2,500.00
  • If the balance drops below $5,000 any day during the statement cycle, the monthly service charge is $10.00, plus .10 per debit transaction.