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Business Checking

FREE BUSINESS CHECKING

What could be better than free?  With this checking account there’s no minimum balance, no monthly maintenance fee and you can process up to 260 transaction items* every month for free.  It’s only $0.25 per transaction item* thereafter. You’ll be amazed by what our free NetTeller® Cash Management and Bill Pay for businesses can do for you!  We’ll also give you a free Debit BusinessCard. 
*Transaction Item Means Checks Paid or Items Deposited

BUSINESS CHECKING

Designed for businesses that maintain a high balance or process a significant number of banking transactions each month.  We give you a monthly Earnings Credit* allowance based on your available balance to offset part or all of the monthly maintenance fees.  This 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 a 3% reserve requirement.  Open this account for $100 today!  Plus, enjoy your new free NetTeller® Cash Management and Bill Pay for businesses and a free Debit BusinessCard.  If the account has a negative available monthly balance, an Uncollected Funds Usage Fee equal to the Bank’s base lending rate plus three percentage points will be applied.
$10 Monthly Maintenance Fee
$0.15 Per Item Deposited
$0.15 Per Credit
$0.25 Per Debit Transacted

INTEREST BUSINESS CHECKING

Why not earn a little interest on what you have in your business checking account?  This account is great for businesses who have a high balance because interest earned that exceeds activity charges is credited to the account balance.  It only take $100 to open an Interest Business Checking account!  Plus, enjoy your new free NetTeller® Cash Management and Bill Pay for businesses and a free Debit BusinessCard.
Variable Interest Rate
Interest Accrues on Daily Collected Balance
$10 Monthly Maintenance Fee
$0.15 Per Item Deposited
$0.15 Per Credit
$0.25 Per Debit Transacted

PUBLIC FUNDS CHECKING

Whether you are setting up an account for a school, town office, or other public entity, we’ve got a great account for you!  Our public funds transaction fees are lower than our regular business checking accounts and there’s only an $8 monthly maintenance fee.  You’ll also have access to our NetTeller® Cash Management and Bill Pay.  See why so many public entities have their accounts with us!
$0.13 Per Item Deposited
$0.15 Per Credit
$0.18 Per Debit Transacted

PUBLIC FUNDS INTEREST CHECKING

Take our great Public Funds Checking Account and throw in the ability to earn interest and you’ve got a home run for the public entity you serve.Interest earned that exceeds activity charges is credited to the account balance.
Variable Interest Rate
Interest Accrues on Daily Collected Balance
$8 Monthly Maintenance Fee
$0.13 Per Item Deposited
$0.15 Per Credit
$0.18 Per Debit Transacted

IOLA

For attorneys only.  IOLA Accounts, or the New York State Interest on Lawyer Account Fund, is an account for attorneys to deposit small amounts or short term funds for several clients in the same account.  The interest earned on this account is paid directly to the IOLA Fund, which provides money to non-profit civil legal services in New York State.
Variable Interest Rate
Interest Accrues on Daily Collected Balance
$10 Quarterly Maintenance Fee
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