Checking

	Small Business Checking	Business Checking	Business Checking Plus
Description	Great for a small or start-up business that doesn’t anticipate a large number of transactions each month.	Analysis account that offsets service charges with an earnings credit based on the average collected balance. Example (pdf)	This account offers qualified accounts the ability to earn interest.
Minimum Balance Required	None	None	None
Service Charge	$5.00 monthly	$12.00 monthly	$12.00 monthly
Account Activity Fees	First 20 Debits . . . . . FREE Above 20 . . . . . . . . . $.20 each First 20 Credits . . . . FREE Above 20 . . . . . . . . . $.20 each Deposited items . . . .$.09 each Negative Available Balance Fee Prime + 4.00%	$.20 per posted debit $.20 per posted credit $.07 per deposited in-state item $.09 per deposited out-of-state item Negative Available Balance Fee Prime + 4.00%	$.20 per posted debit $.20 per posted credit $.07 per deposited in-state item $.09 per deposited out-of-state item Negative Available Balance Fee Prime + 4.00%
Cancelled Checks	Free check safekeeping or Check Imaging available $2.00/month	Free check safekeeping or Check Imaging available $2.00/month	Free check safekeeping or Check Imaging available $2.00/month
Interest	None	None	Interest is compounded and paid to the account monthly. Interest is paid on collected balances.

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyer Trust Accounts ("IOLTA's"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, click on the FDIC logo at the bottom of the webpage.