CHECKING
MONEY MARKET
SAVINGS & CDS
Designed for businesses with moderate transaction activity.
| Minimum Deposit to Open | $1,000 |
| Monthly Maintenance Fee | $20 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $5,000 |
| Per Debit Fee | Up to 150 free debits per month. $.30 per debit over 150. |
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For businesses with sizeable transaction activity.
| Minimum Deposit to Open | $1,000 |
| Monthly Maintenance Fee | $20 |
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 | $3.00 Each |
| Checks/Debits Paid | $.18 Each |
| Coin Deposited/Furnished | $.15 Per Roll |
| Bagged Coin Deposited | $7.50 Per Bag |
| Currency Deposited/Furnished | $1.50 Per $1,000 |
| 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 overnight funds rate of the preceding month will be applied to the monthly average ledger balance to offset the monthly analysis charges.
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A variable interest earning tiered rate account.
| Minimum Deposit to Open | $1,000 |
| Monthly Maintenance Fee | $20 |
| Daily Minimum Balance to Waive The Monthly Maintenance and Per Debit Fee | $3,500 |
| Per Debit Fee | $.20 Per Debit |
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 Deposit to Open | $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/Debits | 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 Deposit to Open | $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/Debits | 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 ledger balances |
SAVINGS & CDs
A variable rate, regular savings account.
| Minimum Deposit to Open | $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 average ledger 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 |
| Excess Withdrawal Fee | $1 for each withdrawal over 3 per month |
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Certificates of Deposit
Certificates of Deposit offering various rates and terms.
| Minimum Deposit to Open | $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 the date of deposit. 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 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 will not change for the term of the account. Interest begins to accrue the date of deposit. 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.
Internet Gambling Notification for Business Customers.
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