Business Checking

For businesses that process a much higher volume of transactions, we offer analysis business checking with the following benefits.

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  • Online Banking, Bill Pay
  • Mobile Banking, Mobile Bill Pay, & Mobile Deposit (exceptions may apply)
  • Instant issue debit card
  • No monthly service charge provided you maintain a sufficient balance to cover account activity.
  • Earnings credit (based on money market conditions) is computed on the loanable account balance that is used to offset or eliminate monthly fees.
  • If applicable, the Overdraft Available Balance Rate is 15%.
  • Net effect of loanable balance and account activity will determine the charge, if any, on the account.
  • $3.00 monthly paper statement fee (unless enrolled in eStatements)

The below chart is only an example of checking analysis with earnings credit:

Account ActivityCharge
Checks/Debits Paid (per item) $0.14
Items Deposited $0.14
ACH Items Paid $0.07
Account Maintenance $10.00
Incoming Wire $15.00
Outgoing Wire $25.00
FDIC Insurance per $100 Ledger Balance $0.0646
Negative Collected Balance Rate Variable Rate

Example

Average Collected Balance $8,000.00
Less 15% of Balance - $1,200.00
Loanable Balance for Earning Credit Calculation $6,800.00

Earning Credit Available to Reduce Service Charges

Assume .30% for Earning Credit Rate) Based on Money Market Conditions

$1.68

Assumed Activity

Account ActivityCharge
150 Checks/Debits Paid @ $0.14 $21.00
100 Items Deposited @ $0.14 $14.00
Account Maintenance $10.00
2 Incoming Wires @ $15.00 $30.00
FDIC Insurance $0.42
Total Charges $75.42
Net Service Charge
(Total charges of $75.42 less Earning Credit of $1.68)
$73.75

Other Services

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Small Business Checking

Community Checking

  1. Personal
    1. Checking
      1. Ultimate Checking
      2. Relationship Checking
      3. EZ Checking
      4. Community Hero Checking
      5. Community Hero Ultimate Checking
    2. Savings
      1. Regular Savings Account
      2. Koala Club Savings
      3. Money Market Account
      4. Certificates of Deposit (CD)
      5. Individual Retirement Account (IRA)
      6. CDARs
    3. Loans
      1. Auto & Recreational Vehicle Loans
      2. Personal Credit Line
      3. Overdraft Protection Loan
      4. Home Loans
      5. Home Equity Loans
      6. Home Improvement Loans
    4. Fee Schedule
    5. Additional Services
    6. Personal Financial Insights
  2. Business
    1. Checking
      1. Small Business Checking
      2. Community Checking
      3. Business Checking
    2. Loans and Credit
      1. Commercial Real Estate Loans
      2. Term Business Loans
      3. Revolving Lines of Credit
      4. Agricultural Loans
      5. Working Capital Loans
      6. Meet Our Lenders
    3. Additional Services
    4. Business Financial Insights
  3. Digital Banking
    1. Personal Services
      1. Online Banking
      2. Online Bill Pay
      3. Mobile Banking
      4. Mobile Deposit
      5. e-Statement
    2. Business Services
      1. Online Banking
      2. Online Bill Pay
      3. Business Mobile Banking
      4. Business Mobile Deposit
      5. Remote Deposit
      6. Cash Management
      7. Merchant Services
    3. Card Services
      1. Debit Cards
      2. Credit Cards
  4. Home Loans
    1. Types of Home Loans
      1. Conventional Fixed Rate Loans
      2. Rural Housing Loans
      3. Adjustable Rate Loans
      4. VA Loans
      5. FHA Loans
      6. In-House Program
      7. Home Improvement Loans
      8. Home Equity Loans
      9. Jumbo Loans
    2. Find a Loan Officer
    3. Tools & Resources
      1. Home Loan Insights
      2. Home Loan Calculators
      3. Glossary & FAQs
      4. NMLS Registry
  5. Investments
    1. Access Your Account
    2. Traditional IRAs
    3. Roth IRAs
    4. Business Retirement Plans
    5. Mutual Funds
    6. Education Savings
    7. Annuities
    8. Meet Our Financial Advisor
    9. News & Media
    10. Advisory Accounts
    11. Bonds
  6. Insurance
    1. Life Insurance
    2. Long Term Care Insurance
    3. Disability Income Insurance
    4. Request a Quote
    5. Meet Our Financial Advisor
  7. Education Center
    1. Personal Financial Insights
    2. Business Financial Insights
    3. Home Loan Insights
    4. Product Demos
    5. Financial Calculators
  8. Customer Care
    1. Our Story & History
    2. Locations & Hours
    3. Bank Holidays
    4. Contact Us
    5. Reorder Checks
    6. Report a Lost or Stolen Card
    7. Change of Address
    8. Community Involvement
    9. Career Opportunities
    10. Privacy and Web Policies
    11. Report Fraud
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