Most suitable for: Small real estate companies with basic banking needs and few transactions
Transactions per month (checks, deposits, ATM, ACH): 150
Interest features: None
Fee features:?Minimum or average balance requirement waives monthly maintenance fee
Commercial Checking
Most suitable for: Larger businesses with high transaction activity each month
Transactions per month (checks, deposits, ATM, ACH):Unlimited
Interest features: Earnings credit designed to offset monthly service charges
Fee features:? Tiered earnings credit on your balance offsets all or a part of your monthly charges
Business Interest Checking1
Most suitable for: Small businesses with basic banking needs and few transactions
Transactions per month (checks, deposits, ATM, ACH):150
Interest features: Competitive interest rate
Fee features:?No charge for up to $5,000 in cash deposits; then $.25 per $100 deposited
Commercial Interest Checking1
Most suitable for: Sole proprietors, non-profit organizations, and estate/trust accounts
Transactions per month (checks, deposits, ATM, ACH):Unlimited
Interest features: Variable interest rate
Fee features: Competitive rate of interest on balances above those needed to offset monthly fees
High Performance Money Market2
Most suitable for: Businesses who want market rates for their idle cash
Transactions per month (checks, deposits, ATM, ACH):Six pre-authorized transfers (three checking); unlimited deposits and ATM transactions
Interest features: Tiered rates based on balance; compounded daily and credited monthly
Fee features:?
Business?Savings2
Most suitable for: Any business with excess cash who wants a savings account with no initial minimum
Transactions per month (checks, deposits, ATM, ACH): 6 pre-authorized transfers, or unlimited in-branch withdrawals
Interest features: Competitive interest rate, compounded daily and credited monthly
Fee features:?
Commercial?Time Deposits
Most suitable for: Businesses who want to maintain excess balances in FDIC-insured accounts
Transactions per month (checks, deposits, ATM, ACH):N/A
Interest features: Specific interest set at maturity?from seven days to over 60 months; may be paid to a transaction account or reinvested
Fee features:?Early withdrawal penalties apply
Client Fund Manager
Most suitable for: Companies managing third party escrow funds, security deposits, 1031 investments, earnest money for clients
Transactions per month (checks, deposits, ATM, ACH): A single master account with unlimited transaction capability, linked to one or more client accounts for bookkeeping and 1099 reporting purposes
Interest features: Non-interesting bearing and interest bearing client accounts available. Tiered rates based on balance; compounded daily and credited monthly
Fee features:?Tiered earnings credit on your master account balances offsets all or a part of your monthly charges; charges for client account are collected from the master account
1 Designed for non-profit organizations, sole proprietors, and other qualifying entities.
2 Federal regulations limit third-party transactions or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer or telephone to six per month, no more than three of which can be made by check draft or check card. A fee may be imposed for exceeding this limit. If this limitation is exceeded on a regular basis, we may be required to close and/or convert your account to another account type.