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BUSINESS BANKING

CHECKING



MONEY MARKET

SAVINGS & CDS

 

Business Checking

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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Business Analysis Checking

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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Business Interest Checking

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 +

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Money Market

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 +

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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 +

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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

 

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SAVINGS & CDs

Savings

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 +

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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.


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Stellar Business Bank

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Notices to Customers
Effective July 21, 2010, your deposits at Stellar Business Bank are now permanently insured up to $250,000 per depositor, per insured institution for each account ownership category.

Stellar Business Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through
December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

NOTICE: Stellar Business Bank is not responsible for and has no control over the subject matter, content, information,
or graphics of the web sites that have links here. Please contact us with any concerns or comments.