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Business Checking

Our goal is to offer you old-fashioned, personal service in handling your banking requirements. We specialize in small to mid-sized business accounts and have the right checking account to fit your needs and help your business reach its potential.

Commercial Anaylis Account

All businesses are eligible for this account. It is recommended for customers who have over 200 total transactions (deposits/debits/credits) each month and want to take advantage of our cash management services.

Commercial Analysis is a checking account that gives customers an opportunity to offset account fees with an earnings credit. The earnings credit is based upon the current 90-day T Bill Rate Index (+/-) and is subject to change as this rate changes.

Cash management services such as online banking, remote deposit capture, auto/borrow auto pay sweep and ACH services are available with this account. Cash management fees will be charged to analysis and may be offset or partially offset with earnings credit for collected balances maintained in the account.

 

PRICING:

• Monthly Maintenance Fee is $15.00

• Transaction charges of $0.40 per deposit and $0.08 per deposit item

• Transaction charges of $0.15 per check or debit item cleared

• Coin/Currency is free up to $5,000. Thereafter, it is $0.15 per $100.

• This account is subject to other fees provided in the fee schedule at account opening

 

FEATURES:

• E-statements

• No charge online banking

• No charge debit card1

Business Checking

This account is available to businesses operating under a DBA name, Sole Proprietorships, Limited Liability Companies, Partnerships and Trusts. This account is recommended for accounts with lower collected balances and per cycle transactions (checks, debits, deposits, and deposited items) limited to 200 or less. Also, recommended for companies with limited need for cash management services.

 

PRICING:

• Minimum balance to open is $100.00.

• Minimum average collected balance to avoid a monthly maintenance fee is $1,000.00. Monthly maintenance fee is $10.00.

• Transactions limited to 200 per statement cycle. The charge is $0.25 per item above 200. Items included are checks, debits, deposits & deposited items.

• All other cash management and other service fees will be direct charged.

 

FEATURES:

• E-statements

• No charge online banking

• No charge debit card1

Community Checking

This account is only available to Non Profits such as churches, organizations and clubs.

 

PRICING:

• Minimum balance to open is $100.00.

• Minimum average collected balance to avoid a monthly maintenance fee is $500.00. Monthly maintenance fee is $7.00.

• Transactions limited to 100 per statement cycle. The charge is $0.20 per item above 100. Items included are checks, debits, deposits and deposited items.

• All other cash management and other service fees will be direct charged.

 

FEATURES:

• E-statements

• No charge online banking

• No charge debit card1

Interest paid on account, rate set and subject to change at bank’s sole discretion.

 

1There is no charge by CTB for any ATM transactions, a fee may apply by the ATM owner and will vary. Subject to credit approval. Overdraft fees may apply for debit card transactions.