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BUSINESS
LOANS
- Revolving
Lines of Credit
- Term
Loans
- Real
Estate Loans
- SBA
504
Loans
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DEPOSIT
ACCOUNTS
- Basic
Business Checking
- Business
Metered Checking
- Business
Money Market
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OTHER
BANKING SERVICES
- Courier
Services
- Bank
by Mail
- Wires-International
and Domestic
- 24
hour Telephone Banking
- Internet
Banking
- Bill
Payment via Internet
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BUSINESS
LOANS
Revolving
Lines of Credit -
Short
Term Working Capital
Term
Loans
- Real
Estate
- Equipment
Financing
- Long
Term Working Capital
Real
Estate Loans -
Interim
construction as well as permanent
financing.
SBA
504 Program Loans
-
Low down payment and favorable terms for financing business expansion and commercial real estate purchases.
DEPOSIT
ACCOUNTS 
|
| ACCOUNT
TYPE |
MINIMUM
BALANCE TO OPEN |
MINIMUM
BALANCE TO AVOID MONTHLY FEES |
FEES |
PRODUCT
INFORMATION |
| Basic
Business Checking |
$500 |
$1,500
daily balance |
$10
monthly fee for first 50 items /
$.50 per item after |
- Economical
account for limited check
writing.
|
| Business
Metered Checking |
$500 |
Not
Applicable |
-
$8
monthly fee
-
$0.12
per check
-
$0.35
per deposit
-
$0.06
per deposited item
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- Earnings
credit is used to offset
service charges based on
average collected balance.
- Copies
of checks returned with
statements.
|
| Business
Money Market |
$1,000 |
$1,000 |
-
$10
monthly fee
-
$10
per transfer in excess of 6
per month, of which 3 may be
checks1.
-
Unlimited
transfers in person or by
ATM
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- Interest-bearing
account.
- Easy
access to your funds.
- Copies
of checks returned with
statements.
- IOLTA
option.
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OTHER BANKING
SERVICES
- Courier
Services
- Since
convenience can be a concern and
"time is money," we can make
available to our Commercial Customers, a
courier service.
- Bank
by Mail -
This is just one more way we can save
you time. Make your deposits or loan
payments by mail and we will send a
receipt back to you the same day we
receive the mail.
- Wires
Transfers -
Wire transfers can be made domestically
or internationally. There is an early
afternoon deadline we must meet so the
earlier in the day you can notify us,
the better the chance the transfer will
be made the same day.
- 24
hour Telephone Banking
- Internet
Banking
- Bill
Payment via Internet

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Product features and service charges are
subject to change. Some banks may charge a surcharge for use of their ATM. The
fee is disclosed to you at the time of your transaction. This fee will be
processed directly as part of the debit to your account by the bank who owns the ATM.
1 Federal regulations limit some
types of transactions to six per month.
These restricted transactions include telephone transfers, preauthorized debits and automated clearinghouse debits.
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