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 Fee | Up to 150 free debits per month. $.30 per debit over 150. |
| Overdraft Protection | Available upon credit approval |
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For businesses with sizeable transaction activity.
| Minimum Initial Deposit | $1,000 |
| Monthly Maintenance Fee | $15 |
Additional Fees: |
|
| Deposits Made | $1.50 Each |
| Dual Custody Deposit | $2.25 Each |
ACH Debit/Credit |
$.20 Each |
| Transit Item Deposited | $.10 Each |
| Foreign Check Deposited | $.15 Each |
| Checks/Debits Paid | $.15 Each |
| Coin Deposited/Furnished | $.10 Per Roll |
| Bagged Coin Deposited | $7.50 Per Bag |
| Incoming/Outgoing Collections | $15 Each |
| NSF Returned Item | $25 Per Item |
| (3) Overdraft Fee for Paid Item | $25 Per Item |
| Returned Item | $6 Each |
| Stop Payment | $20 Each |
| Telephone Transfer | $5 Each |
| Currency Deposited/Furnished | $1.25 Per $1,000 |
| Wires Incoming/Outgoing | $25 Each |
| Armored Carrier | At Cost |
| Checks Cashed | $1 Each |
| FDIC Insurance | $.10 Per $1,000 |
| 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 1.25% will be allowed on the average collected monthly balance to offset the monthly analysis charges.
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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 Fee | $.20 Per Debit |
| Overdraft Protection | Available Upon Credit Approval |
INTEREST TIERS(1)
$2,500 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000 +
A higher interest earning, variable rate money market account.
| Minimum Initial Deposit | $2,500 |
| Monthly Maintenance Fee | $15 |
Daily Minimum Balance to Waive the Monthly Maintenance Fee |
$2,500 |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers/Check Access | Up to 6 preauthorized, automatic or telephone transfers, checks, POS or ACH |
Excess Debit Fee |
$10 per item |
INTEREST TIERS(1)
$2,500 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000 +
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 |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers/Check Access | Up to 6 preauthorized, automatic or telephone transfers, checks, POS or ACH |
Excess Debit Fee |
$10 per item |
INTEREST TIERS(1)
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 +
One Rate Money Market
A variable rate, non-tiered money market account.
| Minimum Initial Deposit | $2,500 |
| Monthly Maintenance Fee | $15 |
Daily Minimum Balance to Waive the Monthly Maintenance Fee |
$2,500 |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers/Check Access | Up to 6 preauthorized, automatic or telephone transfers, checks, POS or ACH |
Excess Debit Fee |
$10 per item |
| Interest(1) | Compounded daily and paid
monthly on daily collected balances |
SAVINGS & CDs
A variable rate, regular savings account.
| Minimum Initial Deposit | $200 |
| Quarterly Maintenance Fee | $10 |
Daily Minimum Balance to Waive the Quarterly Maintenance Fee |
$500 |
| Excess Debit Fee | $10 per item |
| Interest(1) | 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, check, POS or ACH |
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Time Deposits
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)
$2,500 - $99,999
$100,000 +
The term “month” or “monthly” refers to the given cycle for the designated account.
(1)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 or quarterly. If the account is closed before interest is credited you will not receive the accrued interest.
(2)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 not be compounded. Interest may be paid monthly, quarterly, annually or at maturity.
(3)The Overdraft Fee for Paid Items applies to overdrafts created by check, in-person withdrawal, or other electronic means.
