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Select Small Business

This is a non-interest bearing checking account for businesses that have less than 100 items per statement cycle.

  • $100.00 minimum balance required to open account
  • No minimum daily balance requirement; no monthly maintenance fee
  • *Per item charge each statement cycle
    All Debits over 70: $.25
    All Credits over 30: $.25
  • *Items deposited
    All items deposited over 100: $.10
  • No fee for Online or On-Call Banking
  • Check images available online at no charge

*State and local sales tax may apply

Select Business
  • $100.00 minimum balance required to open account
  • *Minimum average daily balance per statement cycle of $1,500.00 or $10.00 monthly fee
  • *Per item charge each statement cycle
    All Debits over 100: $.25
    All Credits over 45: $.25
  • *Items deposited
    All items deposited over 150: $.10
  • Interest / Earnings Credit
    Tiered:
    $0-$9,999.99
    $10,000-$24,999.99
    $25,000 -$49,999.99
    $50,000-$99,999.99
    $100,000-$199,999.99
    $200,000 and over
  • No fee for Online or On-Call Banking
  • Check images available online at no charge

*State and local sales tax may apply

Select Advanced Business

This is a non-interest bearing checking account for businesses that have 100 to 1000 or more items deposited per statement cycle.

  • $100.00 minimum balance required to open account
  • *Minimum average daily balance per statement cycle of $2,500.00 or $10.00 monthly fee
  • *Per item charge each statement cycle
    All Debits over 140: $.25
    All Credits over 60: $.25
  • *Items deposited
    All items deposited over 300: $.10
  • No fee for Online or On-Call Banking
  • Check images available online at no charge

*State and local sales tax may apply

Select Commercial

This is a non-interest bearing checking account for businesses that have 1000 or more items deposited per statement cycle.

  • $100.00 minimum balance required to open account
  • No minimum daily balance *$10.00 monthly maintenance fee
  • Earnings Credit: The credit earned on your current month’s average positive collected balance is used to offset monthly service charges. We base our earning credit rate on the calendar quarterly average of the 13 week Treasury Bill plus or minus up to 50 basis points adjusted quarterly.
  • $0.10 per item paid
  • $0.15 per deposit
  • $0.05 per deposited item
  • Return Item Deposit
    Re-cleared items: $2.50
    Returned Deposit: $5.00
  • No fee for Online or On-Call Banking
  • Check images available online at no charge

*State and local sales tax may apply

Cash Management

A successful business needs a financial partner. We are your Partner. Business Banking with you in mind.

Business Level Internet Banking

*Benefits of Cash Management

  • Send out payroll via ACH
  • Send out debits via ACH
  • Process Wire Transfers
  • Deter Fraud with our Positive Pay System
  • Access to Reports & Alerts
  • Process paper item deposits with Remote Deposit Capture
  • Initiate External Transfers
  • Online Bill Pay

ACH Transactions

Common Types of ACH Origination include payroll, tax payments, vendor payments, and check conversions.

Positive Pay System

Positive Pay is an automated check fraud detection tool that matches the account number, check number and dollar number of each check presented for payment against a list of checks previously authorized and issued by you, our customer.

Remote Deposit Capture

Scan business checks from your business location instead of making a trip to the bank. No software to install or maintain. Get faster funds availability, make deposits anytime, save time, reduce your risk of check fraud and work more securely.


Is Remote Deposit Capture for you?

Do you:

Have multiple locations?

Make deposits after normal business hours?

Pay transportation costs to deliver deposits?

Receive checks for large dollar amounts?

Key Advantages of Remote Deposit Capture:

  • Make your funds available faster – With electronic deposits, checks can be deposited into your account sooner, so your money is working smarter for you.
  • Make deposits anytime – Enjoy the convenience of making deposits electronically 24 hours a day, 7 days a week.
  • Save time preparing deposits – Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks.
  • Save time and money – Electronic deposits can reduce trips to the bank and eliminate costly courier fees.
  • Streamline your cash flow – Check deposits can easily be made from any remote office or storefront. This makes it easy to consolidate deposits from multiple locations into a single bank account.
  • Reduce risk of check fraud- Faster check clearing may allow you to act sooner on returned checks, increasing your opportunities for collections.
  • Work more securely – Remote Deposit Capture has multiple layers of security including password protection, internet firewalls and 128-bit encryption, the highest level of security commercially available today.

Routing # 073900690

NMLS # 769763


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