Free Business Checking was designed with the efficient entrepreneurial spirit of the small business in mind. It is for companies that require fewer than 260 transactions per month and that look for simplicity in their account.

• No monthly maintenance fee

• No minimum balance
• 260 transactions per statement cycle at no cost⁴
• $0.25 per transaction thereafter⁴
• Free NetTeller® Cash Management (Standard package)

• Free NetTeller® Business Bill Payment

Business Checking¹
Designed for businesses that maintain a high average balance or process
a significant number of banking transactions each month. We give
you an earnings credit allowance² based on your available balance
that is used to offset the monthly fees.

• An earnings credit amount is calculated monthly and can offset
part or all of the monthly fees²
• Minimum to open - $100

• $10 monthly maintenance fee
• $0.15 per item deposited
• $0.25 per debit transacted
• $0.15 per credit

• Free NetTeller® Cash Management (Standard package)

• Free NetTeller® Business Bill Payment

Business NOW
This interest bearing account is for sole proprietorships and non-profit
organizations that maintain substantial balances and conduct a moderate
number of banking transactions each month. Interest earned that
exceeds monthly activity charges is credited to the account balance.

• Interest Rate³ - Variable
See Rates >

• Minimum to open - $100
• $10 monthly maintenance fee
• $0.15 per item deposited
• $0.25 per debit transacted
• $0.15 per credit
• Free NetTeller® Cash Management (Standard package)

• Free NetTeller® Business Bill Payment

¹ Uncollected Funds Usage Fee: If the account has a negative available monthly balance, a fee equal to the Bank’s base lending rate plus three percentage points will be applied.
² Earnings credit is based on a variable rate subject to change at the Bank’s discretion and will be applied to the average balance less uncollected funds and 3% reserve requirement.
³ Interest Earned: A variable interest rate determined by the Bank based on current market conditions will apply. Interest is compounded daily and paid monthly on the average available balance. To the extent interest exceeds activity charges, it will be credited to your account.

⁴ Transaction means checks paid or items deposited.