Business Banking
Business Checking Accounts
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| Business Checking | Public Funds Checking | Business NOW Account | |
|---|---|---|---|
| Great If You Want...1 | A flexible transaction account with the ability to reduce your monthly fees with our Earned Credit feature. | A flexible transaction account for your governmental unit. | A transaction account with the ability to earn interest for your sole proprietorship or non-profit organization. |
| Account Type2 | Demand deposit checking | Demand deposit checking | Negotiable order of withdrawal4 |
| Ownership | All business entity types. | Governmental subdivision, unit, or entity. | Sole proprietorship or non-profit organization (ask us for details). |
| Minimum Opening Deposit | $100.00 | $100.00 | $100.00 |
| Interest3 | This account does not earn interest. | This account does not earn interest. |
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| Online Banking | No additional charge | No additional charge | No additional charge |
| Business Debit Card | Ask us for product details | Ask us for product details | Ask us for product details |
| Monthly Maintenance Fee | $5.50 per monthly cycle | $5.50 per monthly cycle | $8.00 per monthly cycle |
| Earned Credit |
Service charges are reduced by an earnings credit of $0.30 on each $100.00 of average available balance, less a 10% service requirement, for the monthly cycle. This credit only applies to reduce service charges and does not carry over from month to month. |
Service charges are reduced by an earnings credit that is established by us and set each month based on market conditions. This credit only applies to reduce service charges and does not carry over from month to month. |
None |
| Transaction Fees |
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| Charge for Negative Available Balance | An account will be charged Prime Rate (as published in the Wall Street Journal) plus 300 basis points on the average negative available balance for the monthly statement cycle. | An account will be charged Prime Rate (as published in the Wall Street Journal) plus 300 basis points on the average negative available balance for the monthly statement cycle. | None |
Important Information
- Account Terms. The information provided on this page provides basic information on our accounts for comparison purposes only. Accounts and services offered by us are governed by our standard Account Agreement, including our Fee Schedule as amended from time to time. Please read the agreement carefully before using a product or service. If you have any questions regarding a product or service, call us at 1-620-227-8586.
- Member FDIC. Your deposits are insured to at least $250,000. Estimate your coverage using FDIC's EDIE - The Estimator.
- Interest-Bearing Accounts. Please contact us for current rates. Rates subject to change after the account is opened. Fees could reduce the earnings on the account.
- Notice of Withdrawal. We reserve the right to require no less than 7 days' written notice of each withdrawal. Federal law requires us to reserve this right.
- Opening an 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. When you open an account, we will ask for your name, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.