Checking

  Small Business Checking Business Checking Business Money Market* Business Plus Checking+ Municipal Checking
Requirement to Open Account $50 $50 $50 $50 $0
Average Balance to Avoid Monthly Service Fee $500 N/A $2,500 $5,000 $0
Monthly Service Fee $5 $6 $12 $15 $0
Interest Paid
on Balance
N/A N/A
Yes - Tiered
$2,500–$9,999
$10,000–$24,999
$25,000–$49,999
$50,000–$99,999
$100,000 and over
On balances of $5,000
and over
Yes - Tiered 
$0–$24,999
$25,000–$99,999
$100,000–$249,999
$250,000–$499,999
$500,00–$749,999
$750,000 and over  
Number of Free Transactions 300 N/A 6 N/A N/A
Per Check/ACH Charge
(beyond limit)
.25 .10 $12 N/A N/A
Per Deposit Fee
(beyond limit)
.25 .15 N/A N/A N/A
Per Deposited Item .25 .08 N/A N/A N/A
Earnings Credit N/A See current earnings credit schedule.

N/A

N/A N/A

*During any monthly statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party.

+This account is not available to corporations.

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

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