Central Bank Illinois :: Business Accounts--Checking and Savings

Business Accounts

Checking
Savings

**Account Packages**
	Small Business Checking	Value Business Checking	Business Checking	Business Plus Checking	Commercial Plus Checking	Community Non-Profit Checking
Initial Deposit	$100.00	$100.00	$200.00	$200.00	$500.00	$100.00
Min. Balance to Earn Interest	N/A	N/A	N/A	$1,000.00	$25,000.00	N/A
Check Safekeeping	Images provided	FREE	Images provided	Images provided	Images provided	FREE
Interest	N/A	N/A	N/A	Compounded & paid monthly*	Compounded & paid monthly*	N/A
Interest Tiers	N/A	N/A	N/A	$1,000.00 - $4,999.99 $5,000.00 - $9,999.99 $10,000.00+	$25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00+	N/A
Earnings	N/A	N/A	Based on avg. collected balance less a 3% reserve	Based on avg. collected balance less a 3% reserve	Based on avg. collected balance less a 3% reserve	N/A
Verify Check (2 signatures required)	$5.00 per month	$5.00 per month	$5.00 per month	$5.00 per month	$5.00 per month	$5.00 per month
Overdraft Protection	Overdraft Privilege. Protection Plus Line of credit	Overdraft Privilege. Protection Plus Line of credit	Overdraft Privilege. Protection Plus Line of credit	Overdraft Privilege. Protection Plus Line of credit	Overdraft Privilege. Protection Plus Line of credit	N/A
Other	Monthly Maint. Fee: $5.00 if avg. daily balance is less than $2,500.00 ALL ITEMS (Per Debit, deposit items/CB and non-CB): No fee for first 100 items, including checks written and deposited. Each item over 100 is $0.25 each. Rolled coin: $0.10 Returned check/items: $5.89 each	No Monthly Maint. Fee ALL ITEMS (Per Debit, deposit items/CB and non-CB): No fee for first 50 items, including checks written and deposited. Each item over 50 is $0.25 each. Rolled coin: $0.10 Returned check/items: $5.89 each	ANALYSIS FEES			No Monthly Maint. Fee No Fee for first 25 checks. Each item over 25 is $0.25 each
Other			Monthly Maint. Fee: $8.00 Per Debit: $0.20 each Deposit items/CB: $0.03 each Deposit items/Non-CB: $0.08 each Rolled coin: $0.10 each Returned check/items: $5.89 each	Monthly Maint. Fee: $8.00 Per Debit: $0.20 each Deposit items/CB: $0.03 each Deposit items/Non-CB: $0.08 each Rolled coin: $0.10 each Returned check/item: $5.89 each	Monthly Maint. Fee: $10.00 Per Debit: $0.20 each Deposit items/CB: $0.03 each Deposit items/Non-CB: $0.08 each Rolled coin: $0.10 each Returned check/item: $5.89 each
Statement Frequency	Month End	Month End FREE Online Statement Paper Statement: $10.00	Month End	Month End	Month End FREE Online Statement Paper Statement: $10.00	Monthly

FEATURES COMMON TO ALL PRODUCTS

FREE Internet Banking
FREE Online Bill Pay***
FREE Online Statements and Check Images
FREE Telephone Banking

*Interest rate subject to change
**Eligible Accounts & Subject to approval
***FREE with a minimum of 3 online payments per month. NOTE: For Commercial Plus Checking, payments in excess of 10 per month are $0.55 each.

**Account Packages**
	Statement Savings	Money Market Savings	Premium Money Market Savings
Initial Deposit	$100.00	$1,000.00	$25,000.00
Monthly Maintenance Fee	$5.00 if avg. daily balance is less than $100.00**	$10.00 if avg daily balance is less than $1,000.00	N/A
Minimum Balance	$100.00	$1,000.00 (to earn interest)	$25,000.00 (to earn interest)
Interest	Compounded & paid semi-annually*	Compounded & paid monthly*	Compounded & paid monthly*
Interest Tiers	N/A	$1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00+	$25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00 - $499,999.99 $500,000.00+
Statement	At Least Quarterly	Monthly	Monthly
Withdrawals	$1.00 per withdrawal in excess of three (3) per month. Includes ATM withdrawals	Limited withdrawals (pre-authorization and phone transfers) to six per statement cycle. 3 can be by check. $10.00 per check in excess of 3 per stmt. cycle. Withdrawl fee (per transaction): $1.00	Limit of 6 preauthorized withdrawals per statement cycle. $10,000.00 minimum withdrawal
ATM	FREE ATM withdrawals at Central Bank ATMs. $1.00 per withdrawal at non-Central Bank ATMs	Card not available with this account	Card not available with this account

FEATURES COMMON TO ALL PRODUCTS

FREE Internet Banking
FREE Online Statements
FREE Telephone Banking

*Interest rate subject to change
**Exempt if you notify bank you are under age 19 or a not-for-profit organization

Additional Account Services

Cash Management Account

Make the most of your cash reserves. Determine your checking balance requirements and we will transfer excess funds into a higher earning investment account***. Funds are transferred back into checking as needed. (***Not FDIC Insured, No Bank Guarantee, May Lose Value)

Checking Plus Loan Account

A simple solution for overdraft protection. Transfer funds from your Checking Plus Account into checking, should you experience an inadvertent overdraft.

Automatic Teller Machine (ATM) Card

Initial card issuance: FREE
Reissue due to lost/damaged card: $10.00 - If lost after banking hours, please contact Shazam: 1-800-838-8000
Use at any Shazam/Cirrus location

Central Remote Deposit

A convenient way for businesses to make deposits from a PC and save on fuel costs. Find out more.

Business Debit Cards

An easier way to track your expenses and simplify money management. Find out more.

^ return to top