Reduce or eliminate fees entirely with our Commercial Checking — an analyzed checking account that’s as dynamic as your business. Streamline money management with all of the convenient services you’d get at a bigger bank, but with a local and personalized touch.

  • Flexible, analyzed business checking account
  • Monthly earnings credit may offset fees
  • $25 monthly maintenance fee
  • Cost-effective per-item fees:
    • 20¢ per check paid
    • 16¢ per ACH debit
    • 45¢ per credit including ACH
    • 12¢ per check deposited
  • Online banking and cash management available
  • Free e-Statements
  • Free Visa® debit card
  • Receive special statements free of charge
  • $200 minimum deposit to open


How it Works

Each month, your commercial checking account is analyzed by calculating the average monthly ledger balance and subtracting the uncollected funds (float).

The remaining balance is your average collected balance. The legal reserve requirement is then deducted to provide the amount that we can invest. We then assign an earnings credit (which varies monthly) to arrive at the earnings on your account for the month.

Monthly expenses associated with the account are then deducted from earnings. If earnings on your account exceed the expenses, there is no monthly service charge. If expenses exceed the account earnings, there will be a charge to your account for the difference.