Small Business Checking
Available to all business entities

• Minimum Balance:        

                   $100.00 to open
                   No monthly minimum balance required

• Fees:

              .20 per debit over 30
              .10 per deposited item over 50

• Features:

Business Debit Card Available
              Activity fees waived if average collected balance exceeds $10,000.00
              Night Depository Available
              Free Night Deposit Zippered Bag
              Image Statements include copies of paid checks

Analyzed Business Checking
Designed for the more active business banking needs

• Minimum Balance:

$100.00 to open
              No monthly minimum balance required

• Fees:

$5.00 Monthly maintenance fee
              .15 per check
              .15 per credit
              .07 per deposited item

• Features:

Business Debit Card Available
Earnings credit allowance on deposit balances may offset fees
              Night Depository Available
              Free Night Deposit Zippered Bag
              Image Statements include copies of paid checks

Business Interest Checking
Sole Proprietor and Not-For-Profit Organizations can earn interest on checking balances

• Minimum Balance:

              $100.00 to open
              Daily balance of $1000.00 or average balance of $1500.00 to avoid                         monthly fee

• Interest:

Entire balance earns interest at the stated rate

• Fees:

$10.00 monthly service charge if balance falls below minimum

• Features:

Business Debit Card Available
Night Depository Available
              Free Night Deposit Zippered Bag
              Image Statements include copies of paid checks

Business Money Market Checking
Restricted Activity Account for all Business Entities

• Minimum Balance:

$2000.00 to open
              Daily balance of $2000.00 required to avoid monthly fee

• Interest:

Tiered Rate based on balance level:
              $0 to $9999.99
              $10000.00 to $24999.99
              $25000.00 to $49999.99
              $50000.00 to $74999.99
              $75000.00 to $99999.99
              $100000.00 to $149999.99
              $150000.00 and above

• Fees:

$15.00 monthly service charge if balance falls below minimum
              $5.00 per withdrawal over six

• Features:

Six withdrawals allowed per month;                         
              Image Statements include copies of paid checks