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Checking

Simply Free Business Checking

Simple Business Checking is designed for businesses with low activity who just want to keep it simple. Receive paper statements without images or opt to receive eStatements with free Online Bill Pay.

Features:

  • Minimum to open: $50
  • Monthly minimum balance requirement: $0
  • Transaction limitations: 150 debits, credits and/or deposited items per month
  • Transaction fee: $.15 per item over the transaction limit of 150.

Regular Business Checking

Designed for businesses with less than 300 debits, credits and/or deposited items per month. Receive paper statements with images or opt to receive eStatements with free Online Bill Pay.

Features:

  • Minimum to open: $200
  • Monthly minimum balance requirement: $1,000
  • Minimum balance fee (for monthly balances under $1,000): $5
  • Transaction limitations: 300 debits, credits and/or deposited items per month
  • Transaction fee: $.15 per item over the transaction limit of 300.

Commercial Checking

Designed for businesses with higher volume of activity.

These accounts will be analyzed in terms of the monthly average of the daily collected balance and account activity. A service charge will be assessed when the monthly transaction costs exceed the earnings allowance.

NOW Account

Enjoy all of the privileges of a checking account while earning interest. Receive paper statements with images or opt to receive eStatements with free Online Bill Pay.

Features:

  • Minimum to open: $500
  • Monthly minimum balance requirement: $500
  • Monthly minimum balance fee (for monthly balances under $500): $8
  • Interest is compounded and credited monthly

Savings

Statement Savings

Open a Statement Savings account, earn interest and start saving today.

Withdrawal/Debits: Transfers to another account or to third parties by preauthorized, automatic, telephone or computer or by check, draft, or similar order are limited to six per monthly statement cycle.

Features:

  • Minimum to open: $100
  • Monthly minimum balance requirement: $100
  • Monthly minimum balance fee (for monthly balances under $100): $2
  • Transaction Fees: A fee of $.25 will be charged for each withdrawal/debit in excess of the above limitations per month.
  • Interest is compounded daily and credited quarterly

Money Market Account

Open a money market account and earn a higher rate of interest while maintaining the convenience of limited checking account privileges.

Withdrawal/Debits: Transfers to another account or to third parties by preauthorized, automatic, telephone or computer or by check, draft, or similar order are limited to six per monthly statement cycle.

Features:

  • Minimum to open: $1,000
  • Monthly minimum balance requirement: $1,000
  • Monthly minimum balance fee (for monthly balances under $1,000): $20
  • Transaction Fees: A fee of $25 will be charged for each withdrawal/debit in excess of the above limitations per month.
  • Interest is compounded and credited monthly

Certificates of Deposit

A Certificate of Deposit (CD) is for our business customers looking to invest their money without the risk.

Features:

  • Terms ranging from 1 month to 60 months
  • Fixed rate during term
  • Penalty for withdrawal prior to maturity date
  • At maturity, the CD may renew for the same term automatically at the market rate at that time
  • Interest may be added to the principal amount, paid by check or deposited into another checking or savings account or transferred to another financial institution.
  • For CDs under 12 months, interest will be credited at maturity. For CDs 12 months or over, interest will be credited quarterly.

Online Banking & Bill Pay

Online Banking offers the convenience of banking anywhere, any time with Internet access.

Free Online Banking offers:

  • Real-time account information
  • The ability to download account information into Quicken, Microsoft Money or other financial software
  • Scheduled transfers between accounts
  • Check reorders
  • Initiate stop payments on checks

Bill Pay Benefits:
  • Pay bills conveniently online without the hassle of checks, envelopes and stamps
  • Schedule monthly recurring payments

Merchant Processing

Merchant Processing offers you, the business owner, the ability to accept debit cards and credit cards for your customerís convenience. We provide credit authorization, data capture and fund settlements for a wide variety of debit and credit cards. Contact us today to find out more about this service.

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