business banking

Business Checking Accounts

Basic Business Checking Minimum Opening Deposit .............................. $100.00 Statements: Canceled checks and deposit slips will be returned with the statement for a fee of $2.00 per month. Minimum for No Maintenance Fee ................... $3,500.00 Maintenance Fee Below Minimum/Month .............. $10.00 Image Statement Account Includes 75 Credits, Debits and Items Deposited per month Fee for Excess Items (per item) ........................... $0.30 Unlimited Telephone Banking Calls (Inquiries)

Analyzed Commercial Checking Minimum Opening Deposit .............................. $100.00 Image Statement Account Canceled checks and deposit slips will be returned with the statement for a fee of $2.00 per month. Monthly Maintenance Fee ................................ $10.00 Each Credit Posted ........................................... $0.30 Each Item Deposited ......................................... $0.09 Each Paid Check ................................................ $0.14 Each electronic Debit or Credit ............................. $0.09 Deposit Items Returned ..................................... $5.00 Deposit Items Recleared ..................................... $5.00 Deposit Corrections .......................................... $2.00 ACH Transmissions .......................................... $12.50 Rolled Coin ................................................ $0.00075 Currency .................................................... $0.00075 Stop Pays Electronic ........................................... $15.00 Stop Pays Paper .............................................. $25.00 Cash Management ........................................... $20.00 Charges for Deposited Cash ............................ $0.00075 Wire Transfer .................................................. $10.00 Earnings Credit This account features an earnings credit which is applied to reduce or eliminate fees on this account. If the earnings credit exceeds the fees for any period, you will be assessed no fees, but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

Free Small Business Checking Minimum Opening Deposit .............................. $100.00 Image Statement Account Canceled Checks and deposit slips will be returned with the statement for a fee of $2.00 per month First Order of Checks (up to $150.00 value) .............. Free Unlimited Telephone Banking Calls (Inquiries)   Account Qualifiers   Number of Total Items per Month .................. 250 or less Cash-In and Cash-Out per Month ...... $10,000.00 or less NOTE: If customer continually exceeds limits, IBT will change checking product to commercial account analysis.

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