Our Current
Business Accounts

Non-Consumer Account Disclosure:
Minimum Balance to Open. The minimum balance required to open this account is $100.00.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Fees and Charges. The following fees and charges apply to this account:
Continuous Overdraft Fee: $3.00 charge per business day for Overdrawn Balance, starting on the 3rd business day overdrawn
Additional Terms. The following additional terms apply to this account: FREE 200 transactions processed per monthly statement cycle, $0.25 per transaction thereafter (items include: checks, debits, deposits, credits and deposited items). Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. We may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.

Non-Consumer Account Disclosure:
Earnings Credit: This account earns a credit that may be applied against the Service Charge (Analysis). If the amount of the credit exceeds the amount of these fees, you will not receive any credit for the difference. The deposit earnings credit rate for this account is 0.15%. At our discretion and at any time, we may change the rate.
Minimum Balance to Open. The minimum balance required to open this account is $500.00.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Fees and Charges. The following fees and charges apply to this account:

• Account Fee: Per Check or Debit: $0.15
• Account Fee: Per Item Deposited: $0.08
• Monthly Service Charge: $10.00
• Continuous Overdraft Fee: $3.00 charge per business day for Overdrawn Balance, starting on the 3rd business day overdrawn
• Account Fee: Per Deposit or Credit: $0.15

Additional Terms. The following additional terms apply to this account: Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. We may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.

Non-Consumer Account Disclosure:
Earnings Credit: This account earns a credit that may be applied against the Service Charge (Analysis). If the amount of the credit exceeds the amount of these fees, you will not receive any credit for the difference. The deposit earnings credit rate for this account is 0.15%. At our discretion and at any time, we may change the rate. At our discretion, we may change the interest rate(s) for this account. The initial rate(s) for your account are:

• If your daily balance is less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 0.050000%.
• If your daily balance is $25,000.00 or more, the interest rate paid on the entire balance in your account will be 0.050000%.

Compounding Frequency. The interest will be compounded monthly.
Minimum Balance to Open. The minimum balance required to open this account is $500.00.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Fees and Charges. The following fees and charges apply to this account:

• Account Fee: Per Check or Debit: $0.15
• Account Fee: Per Item Deposited: $0.08
• Monthly Service Charge: $10.00
• Continuous Overdraft Fee: $3.00 charge per business day for Overdrawn Balance, starting on the 3rd business day overdrawn
• Account Fee: Per Deposit or Credit: $0.15

Additional Terms. The following additional terms apply to this account: Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. We may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.

APY = Annual Percentage Yield. APYs accurate as of 7/17/2023.

Non-Consumer Account Disclosure:
Rate Information. At our discretion, we may change the interest rate(s) for this account. The interest rate on this account is 0.05%. The interest rate(s) may change at any time.
Crediting Frequency. The interest will be credited into this account quarterly.
Compounding Frequency. The interest will be compounded quarterly.
Effect of Closing an Account. If you close your account before interest is credited, you will not receive the accrued interest.
Daily Balance Computation Method. The interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Minimum Balance to Open. The minimum balance required to open this account is $200.00.
Minimum Balance to Avoid a Fee. A service charge of $2.00 will be imposed every quarterly statement cycle if the balance in the account falls below $200.00 on any day of the statement cycle.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Limitations on Frequency of Transfers. During any calendar month, you may not make more than eight (8) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A transaction fee of $3.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account, including ATM and electronic transactions) in excess of twenty-four (24) per quarter.

APY = Annual Percentage Yield. APYs accurate as of 7/17/2023.

Non-Consumer Account Disclosure:
Rate Information. At our discretion, we may change the interest rate(s) for this account. The initial rate(s) for your account are:

• If your daily balance is less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 0.05%.
• If daily balance is $25,000.00 or more, but less than or equal to $49,999.99, the interest rate paid on the entire balance in your account will be 0.05%.
• If daily balance is $50,000.00 or more, but less than or equal to $99,999.99, the interest rate paid on the entire balance in your account will be 0.05%.
• If daily balance is $100,000.00 or more, but less than or equal to $199,999.99, the interest rate paid on the entire balance in your account will be 0.15%.
• If your daily balance is $200,000.00 or more, the interest rate paid on the entire balance in your account will be 0.20%.

The interest rate(s) may change at any time.

Crediting Frequency. The interest will be credited into this account monthly.
Compounding Frequency. The interest will be compounded monthly.
Effect of Closing an Account. If you close your account before interest is credited, you will not receive the accrued interest.
Daily Balance Computation Method. The interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Minimum Balance to Open. The minimum balance required to open this account is $1,000.00.
Minimum Balance to Avoid a Fee. A service charge of $10.00 will be imposed every monthly statement cycle if the balance in the account falls below $1,000.00 any day of the statement cycle.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Limitations on Frequency of Transfers. During any calendar month, you may not make more than eight (8) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A transaction fee of $3.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account, including ATM and electronic transactions) in excess of eight (8) during a statement cycle.
Additional Terms. The following additional terms apply to this account: Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. We may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.

APY = Annual Percentage Yield. APYs accurate as of 7/17/2023.

Penalties may be assessed for early withdrawal. See disclosures for full details.