Small Business Checking
Free
Business Checking
- Free business Debit Card
- Free Personal Checking account for all employees
| Monthly
Maintenance |
Free |
| Number of Items Included |
150 Transactions* |
| Cash Deposits |
Unlimited / No Charge |
*Transactions include in-bound ACH, checks paid,
deposit tickets, and checks deposited. Excess
transactions are subject to a $0.50 per item
fee.
FREE
Internet Banking & Electronic Bill Payment
Small
Business Checking
Tailored
specifically for our small business customers based on the minimum balance you maintain in your account. This account does not earn interest.
Minimum
Daily Balance |
Monthly
Fee |
#
of Items |
Excess
Item Charge |
$0
- $3,500 |
$10.00 |
100 |
$0.25 |
$3,501
- $10,000 |
$5.00 |
200 |
$0.25 |
$10,001
- $25,000 |
$0 |
300 |
$0.25 |
$25,001
and over |
$0 |
400 |
$0.25 |
FREE
Internet Banking & Electronic Bill Payment
Business
NOW Checking
Business
NOW Accounts are available to sole proprietorships,
non-profit organizations, and governmental units.
Business NOW lets you earn interest on your
checking balance.
- Interest is compounded every
month and credited every month
- Tiered interest rates pay
a higher rate for larger balances; rates may
vary
| Monthly
Maintenance |
$10.50 |
| Minimum
Daily Balance to Waive Fees |
$5,000 |
| Number
of Items Included |
50
debits / withdrawals |
| Deposit
Ticket Processing Fee |
No
Charge |
| Deposit
Transactions |
No
Charge |
| Debit
/ Withdrawal Fee |
$0.30 |
FREE
Internet Banking & Electronic Bill Payment
For
information about fees for additional services,
please contact us.
Corporate Business Checking
|
Corporate
Checking |
Super
NOW Checking |
Cash
Management Sweep |
Choose
the checking account that best meets your
needs! |
This
convenient business checking plan can
be linked to our payroll services, cash
management program, and other business
services. |
An
interest bearing account that is available
to sole proprietorships, non-profit organizations,
and governmental units. It is ideal for
those who are responsible for managing
money for their organization or business. |
Earn
income on excess balances to maximize
the use of cash for your business. Interest
is compounded every month and credited every month. An investment
sweep fee of $50 is charged monthly on this account. |
Monthly
Maintenance |
$10.50 |
$100.00 |
$10.50 |
Minimum
Daily Balance to Waive Maintenance Fees |
N/A |
$50,000 |
N/A |
Number
of Items Included |
N/A |
N/A |
N/A |
Deposit
Ticket Processing Fee |
$0.30 |
N/A |
$0.30 |
Deposit
Transactions |
$0.12 |
N/A |
$0.12 |
Debit/Withdrawal
Fee |
$0.18 |
N/A |
$0.18 |
Interest
Earned |
Earnings
Credit |
Yes |
Yes |
Internet
Banking |
Free |
Free |
Free |
Bill Pay Monthly Fee |
Free |
Free |
Free |
Other
Features |
An
Earnings Credit can lower service charges!
The earnings credit is based on the 13-week
average rate of Treasury bills less required
reserves. |
Interest
is compounded every month and credited
every month. Tiered interest rates offer
a money market interest rate for larger
balances; rates may vary. |
- Not FDIC Insured
- Not a Deposit
- No Bank Guarantee
- May Lose Value
|
|
View the Schedule
of Fees
Business
Savings
Keep
your cash working for you in a National Bank
and Trust Business Savings Account.
- Minimum opening deposit
of $50
- No minimum balance to earn
interest
- Two withdrawals per month
at no charge; $1 for each additional withdrawal**
- $2.50 fee if the daily
balance falls below $1000 during the monthly
cycle
Corporate
Investment Account (Money Market Account)
Competitive
market rates and easy access to your funds are
two good reasons for opening a Corporate Investment
Account.
- Minimum opening deposit
of $50
- No maintenance charge with
minimum daily balance of $2,500; if your minimum
daily balance falls below $2,500, there is
a $8 monthly maintenance charge
- Interest is compounded every
month and credited every month
- Tiered interest pays higher
rates for larger balances; rates may vary
weekly
- Six withdrawals** and six
deposited items per month at no charge; each additional withdrawal is $3 and each additional
deposited item is $0.50
Money Builder Account
- Minimum opening deposit
of $10,000
- No maintenance charge with
minimum daily balance of $10,000; if your minimum
daily balance falls below $10,000, there is
a $25 monthly maintenance charge
- Tiered interest pays higher
rates for larger balances; rates may vary
weekly
- Six withdrawals** per month at no charge; each additional withdrawal is $3
- Offers check access
**Pursuant to federal law, you are allowed six withdrawals per cycle.
With
the Business Savings, Corporate Investment
and Money Builder accounts, you receive monthly statements summarizing
your balance, account activity, and interest
earned.
Certificates
of Deposit
Earn
a higher rate of interest while saving for future
needs. Money is deposited for a specific period
of time, ranging from a number of days to years.
For fixed rate certificates only, the interest
rate does not change until maturity.
All
CD's are automatically renewable unless specified
otherwise and require a substantial penalty
for early withdrawal.
Competitive
rates are based on current market conditions.
Please call for current rates.
Other Services
Make
deposits, mortgage, installment loan, or credit
card payments after hours. Night deposit facilities
have an envelope slot and a key-accessed drawer
for larger business deposits.
An
inexpensive way to protect your valuables. Safe
Deposit Boxes are available at all of our offices
except the Wilmington West office. Boxes are
stored in the main vault at each office. Annual
rental fees are based on the box's size and
are paid in advance.
*Contents of Safe Deposit Boxes
are not insured by any Government Agency. |
Wire
money to any point in the world. Wire
transfers offer a fast way to move funds and
provide the recipient with immediate access
to funds.
Available
to those customers planning a trip abroad. This
special service enables customers to travel
with the currency appropriate to the country
they are visiting. Upon return, they can exchange
their foreign currency for U.S. moneys.
- Automated Clearing House (ACH)
National
Bank & Trust can assist you in the sending
and receiving of cash or payments electronically
through the Federal Reserve System.
|
