Checking

Monthly account statements will be available online through the customer's Banking account or mobile banking app. Customers are responsible for informing us of changes in their e-mail address and mobile number. Customers who opt to receive paper statements will be charged a fee of $5.85 per month. See Business Account Service Charge Schedule for a complete listing of fees.

*VISA® Merchant Services and, in turn, Business Interest Checking are only available to those who qualify. Insufficient Funds Charge of $20 is applied when the available balance is insufficient to pay the ACH item or Check when presented. The charge will be applied each time the item is submitted for payment regardless of whether we pay, return, reverse, or decline to pay the item. There is no limit on the amount of Insufficient Funds Charges that may be applied. Consecutive Days OD Fee of $17.50 per day will be applied starting on the 8th consecutive day the ledger account balance is negative.

Available Balance
The available balance in your account is the current ledger balance minus holds placed on your account by us or by merchants for check card purchases, minus pending withdrawals and transfers from your deposit account. Holds on your account can be created by authorizations for payments on your check card, holds on checks deposited into your account that have not yet been paid by a payee bank, or management holds placed on your account by us. Your available balance is the total amount of money in your account that you can use for purchases and withdrawals.

Ledger Balance
The ledger balance only includes transactions that have settled up to that point in time, such as deposits and payments that have posted to your account. The ledger balance does not include outstanding items (such as checks that have not yet cleared and electronic transactions, including debit card transactions, that have been authorized but which are still pending). Any holds for purchase transactions, holds on deposits, or other checks, payments, and fees that have not yet posted will not appear in your ledger balance.

Only $1,500 minimum balance to avoid a low monthly maintenance service charge of $9. Monthly account statements will be available online through the customer's eBanking account or mobile banking app. Customers are responsible for informing us of changes in their e-mail address and mobile number. The interest rate and APY on this account may change at any time at the bank's discretion. Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the collected balance which includes funds for which we have received credit - no later than the business day we receive credit for the deposit of your non-cash items (i.e. checks). Interest is paid, compounded, and credited monthly. If you choose to close your account, any interest accrued but not yet paid is forfeited. Annual Percentage Yield (APY) of 1.00% and corresponding interest rate of 1.00% quoted here are accurate as of April 22, 2025. For current rates and Annual Percentage Yields (APYs), visit our Rates page. See Business Account Service Charge Schedule for a complete listing of fees.

VISA® Merchant Services and, in turn, Business Interest Checking are only available to those who qualify. Insufficient Funds Charge of $20 is applied when the available balance is insufficient to pay the ACH item or Check when presented. The charge will be applied each time the item is submitted for payment regardless of whether we pay, return, reverse, or decline to pay the item. There is no limit on the amount of Insufficient Funds Charges that may be applied. Consecutive Days OD Fee of $17.50

 Available Balance
The available balance in your account is the current ledger balance minus holds placed on your account by us or by merchants for check card purchases, minus pending withdrawals and transfers from your deposit account. Holds on your account can be created by authorizations for payments on your check card, holds on checks deposited into your account that have not yet been paid by a payee bank, or management holds placed on your account by us. Your available balance is the total amount of money in your account that you can use for purchases and withdrawals. 

 Ledger Balance
The ledger balance only includes transactions that have settled up to that point in time, such as deposits and payments that have posted to your account. The ledger balance does not include outstanding items (such as checks that have not yet cleared and electronic transactions, including debit card transactions, that have been authorized but which are still pending). Any holds for purchase transactions, holds on deposits, or other checks, payments, and fees that have not yet posted will not appear in your ledger balance.