April 23, 2014

Products and Services

Business Checking

BASIC BUSINESS CHECKING ACCOUNT

Small and mid-size businesses looking for low cost banking will find this account ideal. We understand the needs of these businesses and have incorporated all the features that will make your banking easy and efficient. The bank statement and fee schedule are easy to interpret. For the company with less than 300 transactions per month, this is the perfect account.

  • No minimum balance
  • First 300 transaction per month at no charge
  • Low-cost introductory checks
  • Internet Banking and Bill Pay
  • Automated phone balances and transfers
  • Overdraft protection available
  • Night depository
  • Line of credit available

PLUS….
qualified depositors

  • Payroll accounts tied to this account have no service charges and no minimum balance

ANALYSIS BUSINESS CHECKING ACCOUNT

The Analysis Business Checking Account is for businesses with over 300 transactions per month, featuring an earnings credit applied to reduce or eliminate fees.

  • Low-cost introductory checks
  • Internet Banking and Bill Pay
  • Automated phone balances and transfers
  • Night depository
  • Courier service for non-cash deposits available
  • Remote deposit check imaging available
  • Line of credit available
  • Sweep accounts can be arranged for qualified depositors
  • Payroll accounts tied to this account have no service charges and no minimum balance
  • Lock Box services

COMMUNITY INVESTMENT ACCOUNT

If you are a non-profit organization with minimal banking activity, then you will appreciate the features of this account. We designed this account especially for service clubs, homeowners associations, Boy/Girl Scout Troops, special events, school groups and clubs, and other not-for-profit groups.

You will enjoy all the same features of the Basic Business Checking Account plus INTEREST. MASTER/CLIENT ACCOUNT
The Master/Client Account is designed for anyone who holds funds for the benefit of others. It replaces the time consuming chore of opening a separate account for each new client, and will simplify your banking, while providing quality record keeping.

  • Competitive interest rates
  • Each individual depositor is FDIC insured up to $250,000
  • Non-cash deposit pick-up service
  • Remote deposit check scanning service available
  • A reduction in bookkeeping requirements and less documentation to open an account
  • Sub-account is opened for the individual
  • client's funds and is identified with a separate account name and number

GOLD MONEY MARKET ACCOUNT

Designed as a tiered level interest bearing account (the higher your balance, the higher the interest rate) that allows you six transactions per month.

  • Tiered interest rates
  • $2,500 minimum balance required to avoid a monthly service charge of $10.00
  • First check order complimentary
  • Internet Banking and Bill Pay
  • Automated phone balances and transfers
  • Notary services and cashier checks