Commercial Checking
Commercial Checking Account service charges are based on account analysis. Please see our Business services brochure for a list of service charges which may be applicable to your Commercial Checking Account. Our Bank also applies an earnings credit to business checking account balances for the purpose of reducing or completely offsetting the monthly service charges listed in the brochure.

The earnings credit is based on the average of the four previous weeks' 91-Day U.S. Treasury Bill discount rates. The amount is based on your average collected balance less the bank's required reserve. Your earnings credit is applied against your monthly service charge.

Business NOW Account
This interest earning business checking account is by law available only to sole proprietorships and not-for-profit organizations. The monthly service charges and direct transaction charges described in our Business service brochure also apply to Business NOW Accounts. The earning credit will not apply to Business NOW accounts. We use the average daily balance method to calculate interest, which applies a periodic rate to the average daily balance in the account for the period. Interest is compounded and paid monthly.