Business Accounts

Rates effective 03/13/23

Type	Minimum Balance to Avoid Service Charge	Minimum Balance to earn Interest¹	Interest²	APY³	Charge Per Check Deposited	Monthly Service Charge	Additional Information
Business Checking with Interest	N/A	.01	.03%	.03%	$.03 (On-Us) $.06 (other)	$6	Earnings credit based on average collected balance. A charge of $.15 per check written.
First Choice Checking for Small Business with Interest	N/A	.01	.03%	.03%	$.20 per item over 250	$8	Maintain $2500 minimum balance and the monthly service charge is waived.⁵
Business Savings	$50	$200.00	.05%	.05%	N/A	$1	Must maintain a minimum $200 balance to earn interest. Monthly service charges apply if balance drops below minimum balance required any day of the month.
Wise Savings	$50	Tier 1: $.01-$24,999.99 Tier 2: $25,000-$49,999.99 Tier 3: $50,000.00-$74,999.99 Tier 4: $75,000.00-$149,999.99 Tier 5: $150,000.00 +	.09% .21% .30% .40% .48%	.09% .21% .30% .40% .48%	N/A	$1	Interest paid on tiered balance. Monthly service charges apply if balance drops below minimum balance required any day of the month.
Business Money Market Account	$2500	Tier 1: $.01-$24,999.99 Tier 2: $25,000-$74,999.99 Tier 3: $75,000.00-$149,999.99 Tier 4: $150,000.00-$249,999.99 Tier 5: $250,000.00 +	.09% .30% .40% .70% 1.49%	.09% .30% .40% .70% 1.50%	N/A	$15	Maintain $2500 minimum balance and the monthly service charge is waived.⁵

All Checking Accounts Offer: Online Banking, Bill Payment Services, Electronic Statements (eStatements), Debit Card⁴

Please see the Deposit Account Agreement & Disclosure for a listing of all terms and conditions. Fees could reduce earnings.

¹We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance in the account each day.

²Interest Rates are subject to change after the account is opened.

³APY= Annual Percentage Yield

⁴Platinum Debit Mastercard: Subject to approval.

⁵Monthly charge applies if balance falls below $2,500 any day of the statement cycle.

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