Commercial Accounts

BUSINESS ANALYSIS CHECKING

•	Minimum deposit to open - $200.00
•	Check images returned with statement
•	Service charge by analysis based on account activity
•	Monthly Maintenance Fee $9.50
•	Charge per Check or Withdrawal $0.10
•	Charge per Item Deposited $0.10

Uncollected Balance Charge
•	Uncollected balances will accrue a charge of the New York prime lending rate plus 2% on the uncollected balance.

Earnings Credit
•	An earnings credit is applied to the total of the service charges. The earnings credit is the average rate of the previous months 13-week T-Bill rates. This rate is applied to the average monthly collected balance less a 10% reserve requirement. The credit is applied to the service charge to determine the net service charge due for the month.

COMPETITIVE EDGE SMALL BUSINESS CHECKING

•	Minimum deposit to open - $200.00
•	Check images returned with statement
•	Monthly service charge if the daily balance is less than $3,000.00— $10.00

Excess Transaction Fees
•	Any combination of checks written, other withdrawals from account or items deposited in excess of 400 per statement cycle $0.12 each

BUSINESS NOW ACCOUNT

•	Not available to corporations
•	Minimum deposit to open - $200.00
•	Interest accrued daily and paid monthly on collected balances of $3,000.00 and above less a 10% reserve requirement.
•	Check images returned with statement
•	Monthly service charge if daily balance is less than $3,000.00— $15.00

Uncollected Balance Charge
•	Uncollected balances will accrue a charge of the New York prime lending rate plus 2% on the uncollected balance.

Excess Transaction Fees
•	Checks written or other withdrawals from account in excess of 50 per statement cycle $0.15 each
•	Items deposited in excess of 100 per statement cycle $0.10 each

BUSINESS PLATINUM MONEY MARKET ACCOUNT

•	Minimum deposit to open - $2,500.00
•	Interest compounded daily and paid monthly on the folowing collected balances except Tier 1
	Tier 1 - $0 - $2499.99 Tier 2 - $2,500.00 - $9999.99 Tier 3 - $10,000.00 - $24,999.99 Tier 4 - $25,000.00 - $49,999.99 Tier 5 - $50,000.00 - $99,999.99 Tier 6 - $100,000.00 and above
•	Monthly service charge if daily balance falls below $2,500.00 — $10.00
*Monthly transaction limitations apply

*Government regulations limit activity on Money Market and Savings Accounts to six (6) preauthorized or automatic withdrawals or telephone transfers during the month. Three (3) of the six (6) can be transfers by check, draft, debit card, or similar order and payable to third parties. An unlimited number of withdrawals from the account can be made in person, at an ATM, or by mail. Owners of the accounts that regularly exceed the transaction limitations will be notified and the account will be transferred to an account having no transaction limits.

Member FDIC | Equal Housing Lender