business checking 
 Keeping your business moving

​Business Checking 

Based on your account relationship, your business will be identified as a participant in one of two analysis plans. A short description of each plan is listed below. See chart below for specific details of each plan.

  • Plan Advantage: The Plan A analysis plan is for business accounts with less than $500,000 in aggregate commercial loan balances. Businesses with no loan or lending relationship are in this plan.

  • Plan Commercial: The Plan C analysis plan is for accounts with aggregate commercial loan balances in excess of $500,000; and for 501(c)(3) nonprofit organizations and public deposit accounts.

 

Your plan will be adjusted annually during your annual review.

Discounted fee plans for all your business checking account needs.

 

Related Pages 

​Activity Fees

​Plan Advantage

​Plan Commercial

Relationship​

Accounts with less than $500,000 in aggregate commercial loan balances​Accounts with aggregate commercial loan balances in excess of $500,000; and for 501(c)(3) organizations and public deposit accounts.

Cleared drafts​

First 200 free each month, 25¢ each thereafter​Waived

Checks deposited​

First 100 free each month, 10¢ each thereafter​Waived

ACH debits​

First 200 free each month, 10¢ each thereafter​Waived

ACH credits​

First 200 free each month, 10¢ each thereafter​Waived

Rolled coin orders​

First 25 free each month, 65¢ per roll thereafter​Waived

Currency strap orders​

First 25 free each month, 55¢ per strap thereafter​Waived

 

Interest

An earnings credit, based on the investable balance, will be calculated. The interest rate used in calculating the earnings credit will be based on an internal index. This earnings credit will be paid to your account on the last day of the month. The investable checking balance is your account balance in excess of reserve requirement and checks deposited and in process of collection. Checks in process of collection will generally be made available to you the next business day after the date of deposit.
 

Activity Fees

Business activity fees will be calculated monthly. These fees will be posted to your account on the last day of the month. Please be aware that in addition to the activity fees listed, other standard checking fees apply. A sample of these fees include return check charges, overdraft fees, wire transfer fees, and check printing fees.
 

Analysis Statements

If your account has net charges (earnings credit less activity fees) of more than $10, an analysis statement will be sent to you. Accounts with net charges under $10 will not receive an analysis statement.
 

Fast Tracking Deposits

To make sure you receive fast and efficient teller service, all business deposits will be "fast-tracked." Our tellers will not pull the checks from other member accounts (On-Us checks) to post them immediately when you bring in your deposit. If you absolutely need to have these types of checks pulled, then the On-Us check fee described below will apply.


On-Us Check Fees

The On-Us check fee is 25¢ for each On-Us check you request posted. There will be no waiver or discount of the On-Us fee, regardless of the business analysis plan.