Business checking account rates
Effective Date: Monday, April 23rd, 2018
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Free Business Checking N/A N/A N/A
Smart Business Checking $1,000.00 0.01% 0.01%
Select Business Checking $10,000.00 See chart below See chart below
Minimum balance required to open all business checking accounts is $25.00

*Minimum average daily balance must be maintained to earn dividends.

Select Business Checking account rates
Effective Date: Monday, April 23rd, 2018
For account balances ofDividend rateAnnual Percentage Yield (APY)
0 - $9,999 N/A N/A
$10,000 - $24,999 0.01% 0.01%
$25,000 - $49,999 0.01% 0.01%
$50,000 - $99,999 0.03% 0.03%
$100,000+ 0.05% 0.05%

Business checking account fees
Effective Date: Monday, April 23rd, 2018
Fee typeProduct fees
Free Business Checking
No minimum balance requirements
Checks deposited–first 100 checks Free
Checks deposited–100+ checks $0.20 / each
Cash deposited–up to $3,000 Free
Cash deposited–over $3,000 $0.10 / $100
Checks cleared–first 100 checks Free
Checks cleared–over 100 checks $0.20 / each
Smart Business Checking
$3,000 average daily balance No charge
Less than $3,000 average daily balance $10 / statement period
Checks deposited–first 250 checks Free
Checks deposited–250+ checks $0.15 / each
Cash deposited–up to $5,000 Free
Cash deposited–over $5,000 $0.10 / $100
Checks cleared–first 200 checks Free
Checks cleared–200+ checks $0.15 / each
Select Business Checking
Account service fee $15 / statement period
Checks deposited $0.12 / each
Cash deposited $0.12 / $100
Checks cleared $0.12 / each
Other checking-related fees
Non-MICR encoded checks $5 / item
Misencoded checks $5 / item
Overdraft / non-sufficient funds fee $30 / item
Overdraft protection transfer $4 / transfer
Stop payment $25
Check copy $5 / copy
Dishonored credit union check written by authorized signer $30 / check
Business checks Fees depend on the quantity and style ordered.
Endorsement stamps Fees depend on the quantity and style ordered.
Temporary checks $2 / page
Check images printed and mailed $25 / month

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