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: $8.00 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
  • 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.

 

 

 

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