Checking

Small Business Checking

Pay no monthly service fee if you maintain an average monthly balance of $500, make 30 monthly deposits or less, write no more than 50 checks per month, and deposit no more than 150 items. The minimum opening balance is $50, and there is a minimal per-item charge for additional deposits, checks and deposited items.

Regular Business Checking

This account earns a credit allowance to offset your monthly service fees and per-item fees (checks, electronic fund transfers and deposits). The amount of credit earned depends on the average monthly balance you keep in the account.

Positive Pay — Commercial Fraud Prevention

With Positive Pay, you can be positive that you'll only pay the amount authorized on your check. Positive Pay is an automated check-matching process that compares checks you have issued with checks presented for payment. It improves the security of your business funds by verifying the validity of checks before your funds are released. If someone tries to alter one of your checks and deposits it for an amount different than what you authorize, we'll notify you. Positive Pay will help you:

• Quickly identify suspect items
• Streamline your account reconciliation
• Reduce exposure to check fraud
• Review your account accuracy on a daily basis