Opening Amount: $100
» No minimum balance.
» Free first 200 items per month, 25¢ each additional item
» Free basic online banking with the option to add bill/pay or cash management*
» Free business debit card**
» Free imaged monthly statement
» Free basic sweep accounts
» Free notary service
» Credit card and merchant credit card services available
*Bill pay fees are $2.95 per month with 30c per transaction. Cash management is available online for $9.95 per month.
**Subject to approval. Interest is charged on all interest bearing accounts for items paid on uncollected funds at the current rate allowed by law. Interest is charged on overdrawn balances at the current rate allowed by law. Member FDIC.

BUSINESS CHECKING
Designed for a larger business that keeps a high-dollar balance and has a higher transaction rate.

Opening Amount: $100
Service Charge: $8 maintenance fee per monthly statement period. 14¢ activity fee per debit/check paid and 7¢ per item deposited during the monthly statement period.
» Free basic online banking with the option to add bill pay or cash management*
» Free business debit card**
» Free imaged monthly statement
» Free basic sweep accounts
» Free notary service
» Credit card and merchant credit card services available
Earned Credit: To offset some or all of the service charge, an earnings credit is given on the monthly average collected balance after a reserve requirement of 10% is deducted; the earnings credit is 2% below the Federal Funds Rate as published by the Board of Governors of the Federal Reserve System –this is a variable earnings credit.
*Bill pay fees are $2.95 per month with 30c per transaction. Cash management is available online for $9.95 per month.
**Subject to approval. Interest is charged on all interest bearing accounts for items paid on uncollected funds at the current rate allowed by law. Interest is charged on overdrawn balances at the current rate allowed by law. Member FDIC.

BUSINESS NOW
Available for sole proprietors, nonprofit corporations and government entities.

Opening Amount: $1,000
Service Charge: $7.50 maintenance fee per monthly statement period. 14¢ activity fee per debit/check paid and 7¢ per item deposited during the monthly statement period.
» Free basic online banking with the option to add bill pay or cash management*
» Free business debit card**
» Free imaged monthly statement
» Free basic sweep accounts
» Free notary services
» Credit card and merchant credit card services available
Interest Paid: Interest accrues on the monthly average collected balance and is credited monthly. The interest rate is variable and is subject to change daily without notice – see a customer service representative for current interest rates.
*Bill pay fees are $2.95 per month with 30¢ per transaction. Cash management is available
online for $9.95 per month.
**Subject to approval. Interest is charged on all interest bearing accounts for items paid on uncollected funds at the current rate allowed by law. Interest is charged on overdrawn balances at the current rate allowed by law. Member FDIC.

BUSINESS MONEY MARKET
For the business that wants a simple earning option for excess funds.

Opening Amount: $1,000
Service Charge: $10 if account balance falls below $1,000 during the monthly statement cycle. $5 excess withdrawal fee per withdrawal after the first six during the monthly statement cycle.
Interest Paid: Interest accrues on the daily collected balance and is credited monthly. The interest rate is variable and tiered and is subject to change daily without notice – see a customer service representative for current interest rates and balance tiers.
Regulatory Limit: By law, six third-party withdrawals or transfers are allowed within a calendar statement period; there are no limits on the number of withdrawals made in person or by ATM.
**Subject to approval. Interest is charged on all interest bearing accounts for items paid on uncollected funds at the current rate allowed by law. Interest is charged on overdrawn balances at the current rate allowed by law. Member FDIC.

Our myDeposit system lets you easily scan and electronically deposit checks to your business accounts right from your desk–saving you the time and expense of driving to the bank. Images of your checks are sent safely and securely to the bank to be processed just like they were delivered in-person. You can use your current computer connected to the Internet and one of our check scanners. Sure, we'll miss serving you in person at the bank, but we understand–it's a fastpaced world, and you've got work to do! Call or come by to find out how you can start using myDeposit today.