Commercial Cash Management Products

Effective Date:


Customers who do not live or work within our Market Area must visit our banking office to qualify.

BASIC BANKING PRODUCTS
REGULAR BUSINESS CHECKING ACCOUNTS
Monthly Maintenance Charge$6.00
Deposits Processed$0.50
Checks in Deposit (per check)$0.05
Checks Paid (per check)$0.10
Deposit Return Items (per item)$10.00
Overdraft Fee$25.00
Stop payment Fee$25.00
Earnings Allowance based on average collected balance25¢ per $100.00
REGULAR COMMERCIAL MMDA
Minimum Balance APY Interest Rate
Below $10,0000.13%0.125%
$10,000-$24,999 0.13% 0.125%
$25,000-$49,999 0.25% 0.250%
$50,000-$74,999 0.25% 0.250%
$75,000 & over 0.38% 0.375%
REGULAR COMMERCIAL SWEEP ACCOUNT
Minimum Balance APY Interest Rate
Below $10,0000.13%0.125%
$10,000-$24,999 0.13% 0.125%
$25,000-$49,999 0.25% 0.250%
$50,000-$74,999 0.25% 0.250%
$75,000 & over 0.38% 0.375%
NOT insured by the FDIC/SIF
Secured by a Repurchase Agreement between the Customer and the Bank.
Target balance set by Agreement
Minimum sweep amount in and out is $500.00
Fee of $25.00 per month for sweep
REGULAR CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.13% 0.125%
6 Months $5,000 0.25% 0.250%
9 Months $5,000 0.38% 0.375%
12 Months $1,000 0.38% 0.375%
15 Months $1,000 0.64% 0.625%
18 Months $1,000 0.64% 0.625%
24 Months $1,000 0.64% 0.625%
36 Months $1,000 0.89% 0.875%
48 Months $1,000 0.89% 0.875%
60 Months $1,000 1.02% 1.000%
CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
REGULAR SAVINGS ACCOUNTS
Type/Min to Open/Min to Earn APY APY Interest Rate
Passbook Savings $25/$25 0.13% 0.125%
Statement Savings $25/$25 0.13% 0.125%

Back to top

GOLD BANKING PRODUCTS
GOLD BUSINESS CHECKING ACCOUNTS
Monthly Maintenance Charge*$6.00
Deposits Processed*$0.50
Checks in Deposit (per check)*$0.05
Checks Paid (per check)*$0.10
Deposit Return Items (per item)$10.00
Overdraft Fee$25.00
Stop payment Fee$25.00
Earnings Allowance based on average collected balancen/a
*Waived with $5,000 Relationship Balance
GOLD COMMERCIAL MMDA
Minimum Balance APY Interest Rate
Below $10,000 0.38% 0.375%
$10,000-$24,999 0.38% 0.375%
$25,000-$49,999 0.51% 0.500%
$50,000-$74,999 0.51% 0.500%
$75,000 and over 0.64% 0.625%
GOLD COMMERCIAL SWEEP ACCOUNT
Minimum Balance APY Interest Rate
Below $10,0000.38%0.375%
$10,000 - $24,999 0.38% 0.375%
$25,000 - $49,999 0.51% 0.500%
$50,000 - $74,999 0.51% 0.500%
$75,000 & over 0.64% 0.625%
NOT insured by the FDIC/SIF
Secured by a Repurchase Agreement between the Customer and the Bank.
Target balance set by Agreement
Minimum sweep amount in and out is $500.00
Fee of $25.00 per month for sweep
GOLD CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.38% 0.375%
6 Months $5,000 0.51% 0.500%
9 Months $5,000 0.64% 0.625%
12 Months $5,000 0.64% 0.625%
15 Months $1,000 0.89% 0.875%
18 Months $1,000 0.89% 0.875%
24 Months $1,000 0.89% 0.875%
36 Months $1,000 1.02% 1.000%
48 Months $1,000 1.15% 1.125%
60 Months $1,000 1.15% 1.125%
CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
GOLD SAVINGS ACCOUNTS
Type/Min to Open/Min to Earn APY APY Interest Rate
Passbook Savings $25/$25 0.38% 0.375%
Statement Savings $25/$25 0.38% 0.375%

Back to top

VIP BANKING PRODUCTS
VIP BUSINESS CHECKING ACCOUNTS
Monthly Maintenance Charge*$15.00
Deposits Processed*$0.50
Checks in Deposit (per check)*$0.05
Checks Paid (per check)*$0.10
Deposit Return Items (per item)$10.00
Overdraft Fee$25.00
Stop payment Fee$25.00
Earnings Allowance based on average collected balancen/a
*Waived with $750,000 Relationship Balance
VIP COMMERCIAL MMDA
Minimum Balance APY Interest Rate
Below $10,000 0.64% 0.625%
$10,000 - $24,999 0.64% 0.625%
$25,000 - $49,999 0.76% 0.750%
$50,000 - $74,999 0.76% 0.750%
$75,000 & over 0.89% 0.875%
VIP COMMERCIAL SWEEP ACCOUNT
Minimum Balance APY Interest Rate
Below $10,000 0.64%0.625%
$10,000 - $24,9990.89%0.875%
$25,000 - $49,999 1.02% 1.000%
$50,000 - $74,999 1.02% 1.000%
$75,000 & over 1.15% 1.125%
NOT insured by the FDIC/SIF
Secured by a Repurchase Agreement between the Customer and the Bank.
Target balance set by Agreement
Minimum sweep amount in and out is $500.00
Fee of $25.00 per month for sweep
VIP CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.64% 0.625%
6 Months $5,000 0.76% 0.750%
9 Months $5,000 0.89% 0.875%
12 Months $5,000 0.89% 0.875%
15 Months $1,000 1.15% 1.125%
18 Months $1,000 1.15% 1.125%
24 Months $1,000 1.15% 1.125%
36 Months $1,000 1.28% 1.250%
48 Months $1,000 1.40% 1.375%
60 Months $1,000 1.40% 1.375%
CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
VIP SAVINGS ACCOUNTS
Type/Min to Open/Min to Earn APY APY Interest Rate
Passbook Savings $25/$25 0.64% 0.625%
Statement Savings $25/$25 0.64% 0.625%

Back to top