Checking

Small Business Checking

If you’ve got a business, you’ve got a need for checking. We have a range of business checking accounts that are flexible, convenient and business friendly.

Key Business Checking
Minimum opening deposit: $100.00
Monthly maintenance fee: $7.50
Minimum balance to avoid monthly maintenance fee: $500.00
Number of debits and credits:

• First 125 items are free each additional item is

$.35
No charge for change or night drop
Free Online banking
Community Business Checking
Minimum opening deposit: $100.00
Monthly maintenance fee: $12.50
Minimum balance to avoid monthly maintenance fee: $2,500.00
Number of debits and credits:

• First 300 items are free each additional item is

$.25
No charge for change or night drop
Free Online banking
Community Business Plus Checking
Minimum opening deposit: $100.00
Monthly maintenance fee: $15.50
Minimum balance to avoid monthly maintenance fee: $5,000.00
Number of debits and credits:

• First 500 items are free each additional item is

$.25
No charge for change or night drop
Free Online banking

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Analysis Checking

Community Commercial Analysis Checking
Monthly maintenance fee: $8.00
Per check or debit item paid: $0.12
Per deposited or credited item: $0.085
Deposits (per deposit): $0.25
Each ACH debit/credit: $0.04
Rolled coins furnished (per roll): $0.085
Currency furnished (per $1,000): $0.25
Free Online banking

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Earnings Credit Rate

  1. If the account’s average available balance* is $25,000 or more, the earnings credit rate for the statement cycle will be the 13 week T-bill rate as of the last Friday of the previous month.
  2. If the account’s average available balance* is less than $25,000, the earnings credit rate for the statement cycle will be the 13 week T-bill rate as of the last Friday of the previous month, minus 200 basis points.

*Average available balance is calculated as follows:

Average ledger balance

• Uncollected funds

• Average collected balance

Average collected balance

  1. 10% reserve requirement
  2. Average available balance

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Community CIVIC Checking

(Designed specifically for non-profit organizations)

Minimum opening deposit: $50.00
Monthly maintenance fee: N/A
Minimum balance to avoid monthly maintenance charge: N/A
Free Online banking

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Community IOLTA Checking

Monthly maintenance fee: N/A
Minimum balance to avoid monthly maintenance charge: N/A
Interest method: compounded daily, paid monthly on collected balances
Interest tiers
Free Online banking

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Business Interest Checking

Community Business Interest Checking
Minimum to open: $200.00
Monthly maintenance fee: $7.50
Minimum balance to avoid monthly maintenance fee: $2,500.00
Interest method: daily compounding available balance
Interest tiers
Free Online banking

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