Business Checking

Business Checking Options:  Totally free or totally equipped.

We offer a wide selection of deposit products, so you can choose whatever fits the kind of business you’re running.

Totally Free Business Checking: Designed for small business

  • No minimum balance
  • No per check charge
  • Unlimited check writing
  • Imaged checks for easy record keeping
  • Debit Card available

Commercial Checking

  • No minimum balance
  • Low $15 monthly maintenance fee
  • Only 16¢ each for checks written
  • Only 18¢ each for checks and other items deposited
  • Only 15¢ each for ACH credits and debits
  • Earnings Credit: A credit will be allowed on your current monthly average collected balance, minus required reserves, which can be used to offset part or all of your monthly service charge.
  • Imaged checks for easy record keeping
  • Debit Card available

Small Business Checking

  • Available to Sole Proprietors and Non-Profit Organizations
  • Interest bearing
  • No monthly service charge with a minimum balance of just $500
  • Up to 25 checks and 25 deposit items free per month
  • Only 20¢ per item after the first 25 checks and 25 deposit items
  • Imaged checks for easy record keeping
  • Debit Card available
Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts.

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation (FDIC) from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTAs). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.
 
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Business Accounts: When you open an account, we will ask for your name, business name, street address, and Federal Tax Identification Number. We may also ask for copies of documents confirming the business/organization and will require documentation specifying those persons authorized to act on the account.

Effective December 1, 2009: Unlawful Internet Gambling

Restricted transactions are prohibited from being processed through your account with us as required by the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG. A restricted transaction is a transaction or transmittal involving and credit, funds, instrument, or proceeds in connection with the participation of another person in Unlawful Internet Gambling.