Personal
Business
Deposits
We are pleased to offer a variety of deposit accounts. Click any of the account types listed below to learn more:
When you're ready to open an account, simply complete our secure, online Account Application form, or stop by one of our convenient locations to visit with a Personal Banker.
| Business Checking | Totally Free | Advanced | Interest |
| Best For | A small business, non-profit organization, local association, group or club | Any business with large monthly transaction volumes, higher balances and more complex banking needs (large cash deposits, change orders, etc.) | A qualifying sole proprietorship, public/government entity or non-profit organization with larger balances |
| Minimum to Open | $0 | $0 | $1,000 |
| Earns Interest | No | No | Yes |
| Monthly Maintenance Fees | None | None | None |
| Online Banking | Free | Free | Free |
| Online Statements | Free | Free | Free |
| Business ATM/Check Card | Free | Free | Free |
| 24-hour Automated Client Service Line | Included | Included | Included |
| Other Key Features | No fee for the first $10,000 deposited currency and coin* |
Monthly Analysis Statements enhance your ability to track business activities, such as payroll, savings, daily operations and risk management Offset account-related fees with a credit allowance based on average collected balance |
Competitive, variable rate of interest based on daily collected balance |
| Transaction Fees | No transaction fees for the first 300 items each month** |
Unlimited transactions; No item fees |
Unlimited transactions; No item fees |
| Other Fees |
*$1.50 per thousand after first $10,000 deposited **$.25 per transaction after first 300 |
$.15 per deposit $.15 per check $.08 per transit item $.35 per currency strap $.10 per coin roll Fees offset with a credit allowance (rate may fluctuate with market rate) |
$.15 per deposit $.15 per check $.10 per transit item deposited $6 fee if minimum daily balance drops below $1,000 |
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All funds in a "noninterest-bearing transaction account" are insured in full by the 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 $250,000.00 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTA's). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. |
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| Business Money Market | Commercial | Premium |
| Best For | Businesses that maintain a $2,500 balance and want to earn interest | Businesses that want to earn a premium interest rate |
| Minimum to Open | $2,500 | $25,000 |
| Online Banking | Free | Free |
| Online Statements | Free | Free |
| Business ATM Card | Free | Free |
| 24-hour Automated Client Service Line | Included | Included |
| Key Features |
An interest earning account that is compounded daily and paid monthly Higher rate paid on balance of $25,000 or more Restricted transactions |
Tiered money market account
Interest compounded daily and paid monthly Restricted transactions |
| Fees |
$.50 per withdrawal $.25 per deposit $.10 fee per transit item deposited $10 monthly fee if average balance drops below $2,500 |
$.50 per withdrawal $.25 per each deposit $.10 per transit item deposited $10 monthly fee if average balance drops below $25,000 |
| Business Savings | Commercial |
| Best For | Businesses that are starting to accumulate savings |
| Minimum to Open | $100 |
| Online Banking | Free |
| Online Statements | Free |
| Business ATM Card | Free |
| 24-hour Automated Client Service Line | Included |
| Minimum Balance | $100 average balance per quarter |
| Key Features |
Interest compounded daily and paid quarterly First six withdrawals per quarter free |
| Fees |
$3 quarterly fee if average balance drops below $100 $1 fee for each withdrawal in excess of six per quarter |
