SMALL BUSINESS CHECKING 
 
This account is specifically designed for a small business with fewer than 200 transactions ( checks paid, deposits posted and items deposited) per month. 
 
$100.00 Minimum opening deposit 
FREE Monthly statement with images 
FREE Online Banking 
FREE Telebank Account Information 
Fees determined by daily balance and/or volume 
 
There is no monthly service fee for accounts maintaining a daily checking balance of $2,000.00 If the daily account balance drops below $2,000 during a monthly statement cycle, the account will receive a $10.00 service fee for that period.  There is no charge for the first 30 checks you write that statement cycle. A $.25 per check fee is charged thereafter. 
 
Accounts that have more than 200 transactions per month are subjected to monthly review and the bank reserves the right to use Account Analysis to determine fees for high volume commercial checking accounts or commercial account that require special handling or supervision. 
 
VOLUME BUSINESS CHECKING 
 
Businesses with a higher volume of transactions will find that this account provides you an earnings credit that is applied toward average collected balance to offset monthly charges. 
 
$200.00 Minimum opening deposit 
FREE Monthly statement with images 
FREE Online Banking 
FREE Telebank Account Information 
 
Monthly Service Charge calculated by account analysis 
Earnings Credit based on average collected balance adjusted for %10 Legal Reserve requirement. 
 
*Example of Cost: (subject to change) 
$.25 per Check Written 
$.28 per Deposit Made 
$.02 per Item Deposited on us 
$.08 per Item Deposited on other banks 
$.49 per Currency Strap per $1,000 
$.12 per Roll Coin 
 
 
FDIC
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