Two men in business suits talking over a laptop.

Business Checking

Rates effective as of 06/16/2023

APY = Annual Percentage Yield

Fees may reduce earnings.

Rates are subject to change at any time.

Compare Accounts

	Business Checking	Small Business Checking	Home Loan Savings Bank Community Checking
Minimum balance to avoid service charge	Reduce or eliminate fees with a 0.25% earnings credit	$0.00	$100.00
Monthly service charge if minimum balance is not met	$5.00	$0.00	$2.00
Free processed items	0 $0.10 per item	50 $0.25 per each additional item	100 $0.10 per each additional item
Earns interest	Earnings credit	No	No

Cash Management

Positive Pay - Reduces fraud risk by matching issued checks to checks coming back for payment
ACH Payments - ACH Payments automatically process monthly payments such as insurance premiums, utilities and dues
ACH Block/Filter - ACH block automatically prevents electronic debits from posting to your account, while ACH Filter allows only authorized debit entries to post
Wire Transfers - This service lets you move your money quickly and securely
Online Banking and Bill Pay - Save time and money with the convenience and security of online banking and bill pay
Account Activity - 24/7 account access, check balances, review recent transactions, view images of checks and more
Online Statements - Eliminate the paper, statements are received online and can be viewed, printed or downloaded
Transfer Funds - Move your cash where you need it; transfer funds between accounts

Business Remote Deposit

Scanned check images are electronically credited to your checking account
Funds will be available the next business day for checks submitted electronically by 5:00 PM
Credit is received for the full deposit and no funds are held even if checks are drawn on out of state financial institutions
Eliminates the manual transportation of checks, reducing the chance the could get lost or stolen
For businesses with multiple locations, deposited funds can be quickly and easily consolidated, significantly improving cash flow

Please ask a customer service representative for further information about applicable fees and terms

Your business relationship is important to us, and we want to do everything we can to help your business save time and money. That's why we offer our affordable Business Checking.

Keep your balance growing with low account fees, and an earnings credit that can reduce or eliminate the fees entirely.*

Benefits

Cost-effective business checking account
Convenient account that saves you time and money
Low monthly service fee of $5
Low transactional fees:
10¢ per item deposited
10¢ per debit
10¢ per deposit
Reduce or eliminate fees with an earnings credit*
Higher credit for higher balances
Funds available same day they are deposited
Free online banking & bill pay
Free mobile banking
Free eStatements
Free MasterCard^® debit card
No minimum deposit to open

*Please note that earnings in excess of account fees are not carried forward, accumulated, or paid directly to account holders.

Rates

Kasasa Cash*

Balance	Minimum Required Opening Deposit	Interest Rate	APY

$0 - $25,000	$50	2.00%	2.02%
$25,000+	$50	.25%	2.02% to 0.47%
All balances if qualifications are not met	$50	0.05%	0.05%

*Qualifications
To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

- Have at least 12 debit card purchases post and settle
- Be enrolled in eStatements
- Access online banking at least one time a

Rates

Kasasa Cash*

Balance	Minimum Required Opening Deposit	Interest Rate	APY

$0 - $25,000	$50	2.00%	2.02%
$25,000+	$50	.25%	2.02% to 0.47%
All balances if qualifications are not met	$50	0.05%	0.05%

*Qualifications
To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

- Have at least 12 debit card purchases post and settle
- Be enrolled in eStatements
- Access online banking at least one time a

Balance	Minimum Required Opening Deposit	Interest Rate	APY
$500+	$100	0.01%	0.01%

Rates

OPTIMUM CHECKING

Balance	Minimum Required Opening Deposit	Interest Rate	APY

$0 - $24,999	$10,000	0.01%	0.01%
$25,000 - $49,999		0.02%	0.02%
$50,000 - $99,999		0.03%	0.03%
$100,000 - $249,999		0.03%	0.03%
$250,000+		0.05%	0.05%

Rates

360° Cash checking*

Balance	Minimum Required Opening Deposit	Interest Rate	APY

$0 - $25,000	$50	1.245%	1.25%
$25,000+		0.25%	1.25% to 0.25%
All balances if qualifications are not met		0.05%	0.05%

*Qualifications

To earn your rewards, simply do the following activities and transactions in your 360° Cash account each monthly qualification cycle:

Have at least 12 debit card purchases post and settle
Be enrolled in eStatements
Access online banking at least one time during the qualification cycle

Rates

360° Cash back checking*

Balance	Minimum Required Opening Deposit	Cash Back Rate

All balances if qualifications are met	$50	1.25% cash back on debit card purchases (up to $5 per month)

*Qualifications

To earn your rewards, simply do the following activities and transactions in your 360° Cash Back account each monthly qualification cycle:

Have at least 12 debit card purchases post and settle
Be enrolled in eStatements
Access online banking at least one time during the qualification cycle