Commercial (Business) Checking

Every new business checking account includes:  FREE Business Debit Card, FREE Online Banking, FREE Bill Pay, FREE Mobile Banking with Mobile Deposit, FREE eStatements FREE thank you gift and buyback of your unused checks and debit cards from another financial institution.

If your business will have more than 1,000 items each month, we ask that you stop in one of our branches and discuss it with one of our branch managers.

Refer a friend.  If they open a new checking account they will get the gift and so will you!

Business Interest Checking

Designed for sole proprietorships and not-for-profits!

  • 1,000 FREE monthly transaction items
  • Competitive interest
  • Only $5,000 minimum to avoid a low monthly fee of $8
  • Up to $10,000 currency deposited per month FREE

Simply Free Business Checking

Perfect for most businesses!

  • 1,000 FREE monthly transaction items
  • No minimum balance
  • No monthly service charge
  • Up to $10,000 currency deposited per month FREE

Minimum opening deposit is only $50. Ask us for Details. Bank Rules and regulations apply. Other fees such as Non-sufficient funds, overdraft, consecutive days overdraft fees, etc. may apply. See the fee schedule for details. Transaction items include all debits and credits. If the Simply Free Business or Business Interest account exceeds 1,000 free monthly transactions, the account may be converted to another checking product. If the Simply Free Business or Business Interest account exceeds $10,000 in monthly coin or currency deposits, the account may be converted to another checking product. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

Checking Accounts Rates

Account TypeMinimum Opening DepositMinimum Balance Required to Earn APY (a)Interest RateAPY (a)
Simply Free Checking
$50.00
N/A
N/A
N/A
50 Plus Interest Checking (b)
$50.00
N/A
0.10%
0.10%
Direct Interest Checking (b)
$50.00
N/A
0.05%
0.05%
Premium Interest Checking (b) (d)
$50.00
$0.00 to $1,499.99
$1,500.00 or more
0.05%
0.15%
0.05%
0.15%
Simply Free Business Checking
$50.00
N/A
N/A
N/A
Business Interest Checking (b) (d)
$50.00
N/A
0.10%
0.10%
HSA Checking (b)
$50.00
$100.00 to $249.99
$250.00 to $999.99
$1,000.00 to $4,999.99
$5,000.00 & Over
0.05%
0.05%
0.05%
0.25%
0.05%
0.05%
0.05%
0.25%
Effective Date: 03-27-2024 (c)

a. APY refers to Annual Percentage Yield. Annual Percentage Yield assumes interest will remain on deposit.
b. The Interest Rate and Annual Percentage Yield (APY) may change after account opening.
c. Interest Rates and APYs are accurate as of the noted effective date and are subject to change without notice.
d. Fees and Service Charges can reduce the earnings on an account.
e. A penalty will be imposed for early withdrawal.
f. Rate Protection – This 4 year certificate offers maximum protection against fluctuating interest rates. If rates increase, you can adjust your rate up to the current rate offered for the remaining term of your CD….and you can adjust it up twice! Your rate can never go lower than the initial rate or the rate you have adjusted up to.