CHECKING
MONEY MARKET
SAVINGS & CDS
Designed for businesses with moderate transaction activity.
| Minimum Initial Deposit | $1,000 |
| Monthly Maintenance Fee | $17 |
Daily Minimum Balance to Waive the Monthly Maintenance Fee |
$5,000 |
| Check Access | Up to 150 free debits per month. $.30 per debit over 150. |
| Overdraft Protection | Available upon credit approval |
Free 24-hour online banking and check images |
Back To Top
For businesses with sizeable transaction activity.
| Minimum Initial Deposit | $1,000 |
| Monthly Maintenance Fee | $15 |
Additional Fees: |
|
| Single Custody Deposit | $1.50 |
| Dual Custody Deposit | $2.25 |
ACH Debit/Credit |
$.20 |
| Local Item Deposited | $.10 |
| Foreign Check Deposited | $.15 |
| Checks/Debits Paid | $.15 |
| Coin Deposited/Furnished | $.10 Per Roll |
| Bagged Coin Deposited | $7.50 Per Bag |
| Incoming/Outgoing Collections | $15 |
| NSF Items | $25 |
| Returned Check | $6 |
| Stop Payment | $20 |
| Telephone Transfer | $5 |
| Currency Deposited/Furnished | $1.25 Per $1,000 |
| Armored Carrier | At Cost |
| FDIC Insurance | At Cost |
| Food Stamps | $.10 Each |
| Courier/Messenger Service | At Cost |
Earnings Allowance – An earnings allowance rate based upon the monthly average Fed Funds rate of the preceding month and rounded to the next ¼% will be allowed on the average collected monthly balance to offset the monthly analysis charges.
Back To Top
A variable interest earning tiered rate account for sole proprietors, non-profit organizations and government agencies with moderate transaction activity.
| Minimum Initial Deposit | $500 |
| Monthly Maintenance Fee | $16 |
Daily Minimum Balance to Waive The Monthly Maintenance and Check Access Fee |
$3,500 |
| Check Access | $.20 Per Debit |
| Overdraft Protection | Available Upon Credit Approval |
Free 24-hour online banking and check images. |
INTEREST TIERS*
$2,500 - $9,999
$10,000 - $49,999
$50,000 +
A higher interest earning, variable tiered rate money market account.
| Minimum Initial Deposit | $2,500 |
| Monthly Maintenance Fee | $15 |
Daily Minimum Balance to Waive the Monthly Maintenance Fee |
$2,500 |
| Check Access | Up to 3 checks, POS or ACH items per statement cycle |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
Transfers |
Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
| Excess Debit Fee | $10 |
Free 24-hour online banking and check images. |
INTEREST TIERS*
$2,500 - $9,999
$10,000 - $49,999
$50,000 +
Stellar Money Market
A higher interest earning, variable tiered rate money market account.
| Minimum Initial Deposit | $25,000 |
| Monthly Maintenance Fee | $25 |
Daily Minimum Balance to Waive the Monthly Maintenance Fee |
$25,000 |
| Check Access | Up to 3 checks, POS or ACH items per statement cycle |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
Transfers |
Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
| Excess Debit Fee | $10 |
Free 24-hour online banking and check images. |
INTEREST TIERS*
$10,000 - $24,999
$25,000 - $49,999
$50,000 +
SAVINGS & CDs
A variable rate, regular passbook savings account.
| Minimum Initial Deposit | $200 |
| Quarterly Maintenance Fee | $10 |
Daily Minimum Balance to Waive the Quarterly Maintenance Fee |
$500 |
| Excess Debit Fee | $1 per transaction exceeding 3 in any calendar month |
| Interest* | Compounded daily and paid quarterly on daily collected balances |
Withdrawals |
Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers | Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
Free 24-hour online banking. |
Back To Top
Business Premier Savings
A premium, variable tiered rate account featuring high market interest rates.
| Minimum Initial Deposit | $25,000 |
| Quarterly Maintenance Fee | $25 |
Monthly Average Balance to Waive the Quarterly Maintenance Fee |
$25,000 |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers | Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
Excess Debit Fee |
$10 per transaction exceeding 6 in any calendar month |
| Interest* | Compounded daily and paid quarterly on daily collected balances |
Free 24-hour online banking |
INTEREST TIERS*
$10,000 - $24,999
$25,000 +
Time Deposits offering various rates and terms
| Minimum Initial Deposit | $2,500 |
| Monthly Maintenance Fee | None |
Interest |
Fixed |
| Withdrawals | Early withdrawal penalty may apply |
INTEREST TIERS**
$2,500 - $99,999
$100,000 +
The term “month” or “monthly” refers to the given cycle for the designated account.
*The interest rate and annual percentage yield will depend on the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.
**The interest and annual percentage yield depends upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. Interest will be compounded daily and will be credited to the account at maturity. Interest may be paid monthly, quarterly, annually or at maturity.
