Commercial Checking Account

Designed for businesses of all types. No minimum balance is required and monthly service charges may be offset by balances maintained in the account.

Basic Features

• $2,000 Overdraft Privilege (after account open 120 days)*
• 25 Free debits per month
• Detailed monthly statement
• 24 hrs. a day Telephone & Online Banking access
• Earnings Credit can lower or eliminate monthly service charge.

*Our regular insufficient funds fee of $28 per item or our regular OD Fee of $28 per item, will be charged regardless if the item is paid or returned. A fee may be imposed for covering overdrafts created by Check, In-Person Withdrawel, or other electronic means that will overdraw the available account balance regardless of whether we Pay or Dishonor (Return) the item. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. The amount of any overdrafts including fees you owe us shall be due and Payable withing 30 days.

Commercial Premium Money Market

This is an account which allows depositors to earn money market interest rates while enjoying immediate access to their funds with unlimited in-bank withdrawals.**

Basic Features

• Free first order of 40 wallet checks
• Unlimited transactions over the counter**
• Tiered rates
• Monthly Statement
• 24 hrs. a day Telephone & Online Banking access

* No monthly fee if maintained balance of $1,000 or more. -12.50; If Below minimum daily balance requirement anytime during the month.

**Withdrawal and transfer limitations including those made by phone, online, pre-authorized, automatic and wire, and advances for overdraft protection to six per month, no more than three of which may be draft(check) or debit card(POS) transactiions. $10.00 per item for exceeding limitations for debit over six (6) per month

Liquid CD

Looks like a CD, pays like a CD, smells like a CD but it acts just like a Money Market

Basic Features

• Unlimited transactions over the counter**
• Free first order of 40 personalized wallet checks
• ATM/Debit Card**
• Monthly statement with images
• 24 Hour Telephone Bank & 24 Hour Online Banking
• High Interest rate

*If balance falls below $50,000, minimum daily balance at any time during the statement cycle the interest rate will reduce to the current published Basic Savings rate.

**Withdrawal and transfer limitations including those made by phone, online, pre-authorized, automatic and wire, and advances for overdraft protection to six per month, no more than three of which may be draft(check) or debit card(POS) transactiions. $10.00 per item for exceeding limitations for debit over six (6) per month