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Analysis Business Checking |
Business NOW Account |
BusinessFree Checking |
Small Business Benefit Checking |
Money Management |
Non-Profit Checking |
| |
Suited for businesses with a high volume of activity,
this account will give you a comprehensive look at your account each
month with the added value of an earnings credit that is based on collected
funds. |
An interest-earning account designed for Sole
Proprietors, Non-Profit Organizations, and other eligible entities that
want to take advantage of unlimited FDIC coverage. |
For businesses who are looking for a simplified checking account that
offers no monthly service charge, and 150 free items per month (debits,
checks deposited, deposits made). |
For businesses who are looking for a checking
account that can save them money by maintaining a set balance, and the
added value of 250 free items per month (debits, checks deposited, deposits
made). A fee will be assessed for items over the minimums. |
With the ease of check-writing access to your
money, and high rates of return, you can manage your money wisely, based
on the balances in the account. |
The Non-Profit Checking account, designed for
Non-Profit Organizations who operate as charitable, educational, religious
or similar entity with a 501-C status, works the same way as the BusinessFree Checking
product but with a lower per item fee charge in excess of 150. |
| Minimum Opening Deposit |
$100 |
$100 |
$100 |
$100 |
$100 |
$100 |
| Monthly Service Charge |
$12 |
$10 |
No Charge
e-Statements are provided at no charge, paper statements will
be assessed a $5 monthly fee. |
$5,000 Minimum
Balance & Over
- No Charge -
Under $5,000
Minimum Balance
- $10 Per Month - |
$1,000 Minimum
Balance & Over
- No Charge -
Under $1,000
Minimum Balance
- $25 Per Month - |
Free |
| Item Charges |
|
|
|
|
|
|
| Debits |
$0.15 |
$0.15 |
First 150 Items
FREE
$.50 per item over the FREE minimum |
First 250 items
FREE
$.25 per item over the FREE minimum |
Preauthorized, automatic or telephone
transfers, and withdrawals by check, draft, debit card or similar order
to third parties are limited to 6 per month. Transfers in excess of 6
will be charged an additional $10 per excessive transfer. Unlimited transactions
can be made at the teller line or ATM. |
First 150 Items
FREE
$.15 per item over the FREE minimum. |
| Checks Deposited |
$0.12 |
$0.12 |
| Deposits Made |
$0.20 |
$0.20 |
| Returned Deposited Items |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
Earnings Credit
Calculated on collected funds. |
Yes |
Yes |
N/A |
N/A |
N/A |
N/A |
| Interest Bearing |
No |
Minimum balance to earn interest is $1,000. |
No |
No |
| $ |
0 |
- |
$ |
9,999.99 |
| $ |
10,000 |
- |
$ |
24,999.99 |
| $ |
25,000 |
- |
$ |
49,999.99 |
| $ |
50,000 |
- |
$ |
99,999.99 |
| $ |
100,000 |
- |
$ |
249,999.99 |
| $ |
250,000 |
+ |
|
|
|
No |
| Check SafeKeeping |
Free |
Free |
Free |
Free |
Free |
Free |
| EasyCheck Imaging |
$2 Per Month |
$2 Per Month |
$2 Per Month |
$2 Per Month |
N/A |
$2 Per Month |
| Additional Benefits |
24-Hour TeleBanc |
24-Hour TeleBanc |
24-Hour TeleBanc |
24-Hour TeleBanc |
24-Hour TeleBanc |
24-Hour TeleBanc |
All funds in
a "noninterest-bearing transaction account" are insured in full by the
FDIC, Federal Deposit Insurance Corporation from December 31, 2010 through
December 31, 2012. This temporary unlimited coverage is in addition to,
and separate from, the coverage of at least $250,000 available to depositors
under the FDIC's general deposit insurance rules.
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