Business Checking

*APY=Annual Percentage Yield. APYs accurate as of 8/15/2019. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $100,000 receive APY of 1.51%; and (3) balances over $100,000 earn 0.50% interest rate on portion of balance over $100,000, resulting in 1.51% – 0.51% APY depending on the balance. If qualifications are not met, all balances earn 0.25% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.

**Unlimited ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Available to personal accounts only. No monthly service charge.

***Overdraft protection not available on student accounts

Monthly and per-check fees only apply if you have more than 20 withdrawals and your balance is below the average required minimum.

Account not available for corporations and partnerships.

An earnings credit is based on collected balances and applied toward these transaction fees each month. Your credit may completely offset fees, or reduce the amount owed.

There may be additional charges that are outside the account analysis.