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Commercial Checking Account

Monthly Service Fees are based on Account Analysis Format using the following:

                    Average Collected Balance

                    less Reserve Requirements x Earnings Rate*

                    365 Days

                    X Number of days in Month = Earnings Credit

 

Earnings Credit:

                    Less:    Maintenance Fee of $10.00

                    Less:    Number of checks x $.12 cents

                    Less:    Number of Deposited Items x $.06 cents

                    Less:    FDIC Insurance Coverage

                    Less:    Miscellaneous Services

                    Equals Activity Cost

If the activity cost is equal to or less than the monthly earnings credit there is no service fee for the month.  Earnings credit are not credited to an account nor carried forward to the next month.

 

*Earnings rate is the current money market rate.

Commercial All-In-One Account

About the Account - Designed for the small business customer that prefers a fixed monthly services charge that eliminates other miscellaneous charges.  Features include:

bulletNo minimum balances required
bulletNo fee for rolled coins and strapped money
bulletNo charge for first 100 checks written ($.25 per check thereafter)
bulletNo charge for first 200 deposited items ($.20 per deposited item thereafter)

Fixed Monthly Fee:  $15.00

                         

                                   

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