Small Business Checking

No monthly maintenance fee

Up to 200 items free

Incurs a per item charge of $0.20 assessed after 200 items per statement cycle

Basic Business Checking

No monthly maintenance fee

Safekeeping - checks are not returned

Credit of $0.10 per $100 Average Collected balance for the statement cycle

This earning allowance can offset monthly charges

Transit items:

• (checks not drawn on SNB) - incurs a per item charge of $0.03 assessed for all transit items processed per cycle

$0.05 per item charge:

• items include deposit tickets and checks written on account

Commercial Checking

$5.00 maintenance fee  (check images can be returned)

Credit of $0.10 per $100 Average Collected balance for the statement cycle

This earning allowance can offset monthly charges

Transit items:

• (checks not drawn on SNB) - per item charge of $0.03 assessed for all transit items processed per cycle

$0.10 per item charge:

• items include deposit tickets and checks written on account

Business NOW Checking Account

Interest-bearing Account:

• Rate is variable and subject to change daily
• Interest is calculated daily on collected funds
• Transit items:
  (checks not drawn on SNB) - per item charge of $0.03 assessed for all transit items processed per cycle
• If daily balance drops below $5,000 on any day of cycle, the following charges apply:
  $6 service charge
  $0.10 per item charge (includes deposits and checks written on account)

Some restrictions apply

Public Funds NOW Checking Account

Interest-bearing:

• Rate is variable and tiered - subject to change daily
• Interest is calculated daily on collected funds
• If daily balance drops below $5,000 on any day of cycle, the following charges apply: $6 service charge + 0.10 per item charge

Daily collected balance requirements

Business Money Maker Checking Account

Free Checks

If daily balance drops below $1,000 on any day of the cycle, a $5 service fee applies

Interest-bearing account:

No monthly service charge with $1,000 minimum daily balance

• Interest is calculated daily on collected funds
• Variable, simple interest rate subject to daily change
• Rate is tiered

Unlimited Transactions:

• Automatic transfers for SNB loan payments
•  Transfers & withdrawals by mail, messenger, or ATM
• Withdrawals made in person

Limited Transactions (6 total per month):

• ACH Debits
• Transfers to cover overdrafts on a transaction account made per pre-authorized agreement
• Check Payable to third parties
• Debit Card transactions
• 24 Hour Teller
• Netteller

Business Online Banking

• FREE 24-hour banking at your fingertips
• View transactions in real time
• View transaction history
• Complete transfers between existing accounts
• Add stop payments - $27.50 per stop payment request
• View check images

Business Cash Management / Bill Payment

All the benefits of Online Banking PLUS:

• UNLIMITED online bill payment
• Domestic wire transfers - $20 per wire request
• ACH Payroll processing - $10 per file
• Return items/notification of change - $1.75