Account Analysis

This feature a significant advantage for your business, creating savings in two ways. First you are only charged for bank services you actually use. Second, you can completely offset analysis charges by maintaining a sufficient balance in your checking account.

You receive an earnings credit for your balance during the month. This earnings credit is then applied to the fees you accumulated by using bank services. If your earnings credit is greater than the service fees, you pay no service charge for that month.

If your earnings credit is less than the service fees, the difference between the total cost and the earnings credit is automatically charged to your account as that month's service fee. So even in that situation, you receive credit for the money you had on deposit during that month. For more information about Business Account Analysis, please contact your Branch Manager or Account Officer.

Account Analysis Fees:

Account maintenance $10.00
Checks or debits to account $0.10
Deposits or credits $0.10
Chargebacks $8.00
Strapped currency $­0.30
Rolled coins $0.05
Stop payments $30.00

Earnings credit: Based on previous month average and rate of 0.10%**. Less reserve requirement 10%

**This rate is determined by management and is subject to change.

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