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Business Banking
 
We offer business products and services that suit your business needs. Please contact one of our New Accounts Representatives for current rates.

Commercial Checking with OOPS!
Business checking account for businesses with monthly transactions

Commercial Now with OOPS!
Combines check writing and interest earnings but is restricted to sole proprietors and non profit organizations

Commercial Money Market
Limited check writing with interest earnings

Commercial Savings
Basic business savings account with competitive interest rates

Commercial Loans
To help in the growth of our community, we offer business loans. Types of loans available include, but are not limited to: working capital loans, loans for capital purchases and improvements, business acquisition loans or construction loans.
 

 

  Commercial Checking with Occasional Overdraft Privilege Service
Business checking account for businesses with monthly transactions, and eligible for Occasional Overdraft Privilege Service.

  •  Free 24 hour telephone banking
  • Free Internet Banking
  • $125.00 to open account
  •  Monthly maintenance fees:
    •    $ 10.00 service charge
  • During the statement cycle the first 50 debits posted to the account will be free, any additional debit transactions will be assessed a $0.20 per item fee. 
  • *We offer a $1,500.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
  • If you close your account within 90 days a fee of $ 50.00 will apply.
  • You will receive a bank statement with imaging of cancelled checks.

* Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $30.00) will apply to each item overdrawing your account.  Typically, we will charge this $1.00 daily overdraft fee for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%. We reserve the right to require you to repay your overdrafts immediately or on demand.

 

 

   Commercial NOW with Occasional Overdraft Privilege Service
Combines check writing and interest earnings but is restricted to sole proprietors and non profit organizations, and is eligible for Occasional Overdraft Privilege Service.   

  •  Free 24 hour telephone banking
  • Free Internet Banking
  • During the statement cycle the first 50 debits posted to the account will be free, any additional debit transactions will be assessed a $0.25 per item fee. 
  • If your balance falls below $1,000.00 any day during the statement cycle, a $5.00 maintenance fee will be assessed.
  • You will receive a bank statement with imaging of cancelled checks.
  • *We offer a $1,500.00 Occasional Overdraft Privilege Service (OOPS!) if your account has been open for at least thirty (30) days and must have cumulative deposits of at least $400.
  • If you close your account within 90 days a fee of $ 50.00 will apply.

* Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. For more information see our Occasional Overdraft Privilege Service Policy. The categories or types of transactions that may overdraw your account include checks, in-person (teller) withdrawal, ATM withdrawal, or other electronic means.  Our normal non-sufficient funds or overdraft charge (currently $30.00) will apply to each item overdrawing your account.  Typically, we will charge this �$1.00 daily overdraft fee� for the seventh and each subsequent consecutive calendar day your account is overdrawn and continues to have a negative (overdraft) balance.  Additionally, on commercial checking account types, we will charge your account overdraft interest calculated on the average daily overdrawn balance for the statement cycle period at 18%. We reserve the right to require you to repay your overdrafts immediately or on demand.

 

 

   Commercial Money Market
Limited check writing with interest earnings

  • Free 24 hour telephone banking
  • Free Internet Banking
  • A fee of $10.00 per item will be assessed in excess of 6 transactions.
  •    Transaction Limitations:
  • Covered Transfers and Withdrawals
    •  A depositor may make no more than six covered withdrawals per statement cycle.
    • Transfers or withdrawals made to another account of the same depositor at the same bank and to a third party, if made by preauthorized transfer, automatic transfer, by telephone, including fax, or with the bank's home or internet banking service.
    • Transfers to a third party, if made by check, draft, debit card, or similar order made by the depositor and payable to third parties.
  •   Non-Covered Transfers and withdrawals:
    • There is no limit to the number of non-covered transfers or withdrawals.
    • Transfers for the purpose of repaying loans and associated expenses at the same bank. 
    • Transfers from one account of the depositor to another account of the same depositor and withdrawals from the account, if made by mail, ATM, or in person.
    • Withdrawal made by telephone via check mailed to the depositor and transfer into the account.
  • You will receive a bank statement with imaging of cancelled checks.
  • An NSF fee of $ 30.00 will be assessed for any item being paid or returned.
  •  If you close your account within 90 days a fee of $ 50.00 will apply.

 

 

   Commercial Savings
Basic business savings account with competitive interest rates 

  •  Free Internet Banking
  • Free 24 hour telephone banking
  • A fee of $4.00 will be charged for each withdrawal in excess of six during a quarter. Fees could reduce earning on the account.
  •  Transaction Limitations:
  • Covered Transfers and Withdrawals
    • A depositor may make no more than six covered withdrawals per statement cycle.
    • Transfers or withdrawals made to another account of the same depositor at the same bank and to a third party, if made by preauthorized transfer, automatic transfer, by telephone, including fax, or with the bank's home or internet banking service.
    • Transfers to a third party, if made by check, draft, debit card, or similar order made by the depositor and payable to third parties.
  • Non-Covered Transfers and withdrawals:
    • There is no limit to the number of non-covered transfers or withdrawals.
    • Transfers for the purpose of repaying loans and associated expenses at the same bank. 
    • Transfers from on account of the depositor to another account of the same depositor and withdrawals from the account, if made by mail, ATM, or in person.
    • Withdrawal made by telephone via check mailed to the depositor and transfer into the account.
  • If you close your account within 90 days a fee of $ 50.00 will apply.

 



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