Commercial Banking Services

Small Business Checking

Banking services for businesses with a few transactions each month and a low monthly service charge.

• Minimum deposit required to open account $100.00
• Monthly service charge if the daily balance drops below $5,000.00 - $8.00
• No monthly minimum balance required
• First 100 checks and 20 deposits per month no service charge
• Each item in excess of monthly limit - $.15
• No monthly service charge for the first monthly cycle

Commercial Checking

Traditional banking services for active accounts. Service charge is based on activity with a rebate for balances held on deposit.

• Minimum deposit required to open account $100.00
• Monthly service charge if the daily balance drops below $5,000.00 - $8.00
• $0.15 per debit item, $2 rebate per $1,000 average daily collected balance (High volume commercial accounts subject to additional analysis charges.)
• No monthly service charge for the first monthly cycle

First Advantage Checking

Interest bearing checking account with unlimited check writing privileges, limited by law to sole proprietors, non-profit organizations and government agencies

• Minimum deposit required to open account $100.00
• No monthly service charge for the first monthly cycle
• Monthly service charge if the daily balance drops below $1,000.00 - $8.50
• Earn interest on the full collected balance

First Advantage Money Market

Interest bearing account with restricted check-writing.

• Minimum deposit required to open account $1,000.00
• No monthly service charge for the first monthly cycle
• Monthly service charge if the average daily balance drops below $1,500.00 - $8.00
• Personalized Money Market checks (Wallet style only) at no charge
• Interest is credited and compounded monthly on your daily balance.
• Limit of six (6) withdrawals per statement cycle including telephone or other electronic transfers (only three may be payable to third parties by check, draft or debit card.) If you exceed this limit, we are required by Federal regulations to convert your account to a type more suitable to account activity. We will charge $5.00 for each withdrawal that exceeds this limit.

USA Advantage Money Market

Higher yielding account with limited check writing.

• Earn interest on the full available balance.
• The interest rate is indexed to your account balance.
• The higher your balance, the higher your interest rate.
• Rate subject to change weekly.
• Personalized money market checks (wallet style only) at no charge.
• Average daily balances under $10,000 earn statement savings rate.
• Interest is credited to your account monthly.
• Minimum deposit required to open account $10,000.
• Maintain a minimum average daily balance of $10,000 or a minimum daily balance of $25,000 in related checking, savings, Certificates of Deposit or IRA accounts, and your account will not be assessed a monthly service charge. Monthly service charge without qualifying balances - $10.00.
• Limit of six (6) pre-authorized withdrawals per statement cycle including telephone or other electronic transfers (only three may be payable to third parties by check, draft, or debit card.) If you exceed this limit, we are required by Federal regulations to convert your account to a type more suitable to account activity. We will charge $5.00 for each withdrawal that exceeds this limit.