Small Business Checking

• $1000 minimum balance
  
• $5.00 fee if the average balance falls below the $1000 minimum balance
  
• First 100 debits each month are Free
  o After first 100 checks, a $0.18 per item charge will apply
  
• First 25 deposited items are Free
  o After first 25 deposited items, a $0.16 per item charge will apply
  

NOW Account for Sole Proprietorships

• Interest bearing account
• $1000 minimum balance
  
• $5.00 minimum balance fee
  
• First 100 debits each month are Free
  o After first 100 checks, a $0.12 per item charge will apply
• First 25 deposited items are Free
  o After first 25 deposited items, a $0.10 per item charge will apply
  

Commercial Checking

• No minimum balance requirement
  
• 2.4% earnings credit against the following fees:
  o $10 monthly maintenance fee
  o $0.12 per check or debit item
  o $0.10 per deposit and deposited items
  

Money Market

• Interest bearing account
  
• $50 initial deposit needed to open account
  
• $1,000 minimum balance required
  
• $10 monthly maintenance fee if account falls below $1,000
  
• No monthly service charge
  
• Limit of 3 checks and 6 withdrawls per month
  
• Easy to balance monthly statements
  
• Imaged checks for easy record keeping
  
• Free ATM card
  
• Free "Net Teller" Internet Banking
  

Not- for-Profit Checking

• No minimum balance requirement
  
• First 100 debits each month are Free
  o After first 100 checks, a $0.12 per item charge will apply.
• First 25 Deposited items are Free
  o After first 25 deposited items, a $0.10 per deposited item charge will apply
  

• Lines of Credit for Short Term Needs
  
• Term Financing for Fixed Asset Purchases
  
• Purchase or Refinance of Investment, Commercial, & Ag. Real Estate
• Construction Loans
  

Our Commercial Lending Team

(816) 858-2121

Robert Barmann

James Baber

Brad Meyer