| Commercial Checking |
- Minimum Deposit to Open: $100
- Monthly Service Charge: $10 if average daily balance falls below $5,000
- Item Fee: $0.50 per check paid over 150 and $0.50 per deposit made over 50 items
- Cash Management and add-on services available
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| Commercial Analysis |
- Minimum Deposit to Open: $100
- Monthly Service Charge: $8
- Item Fee: $0.20 per check or ACH paid, $0.50 per deposit made and $0.10 per deposited item
- Earnings Credit: 2.00% of average balance
- Cash Management and add-on services available
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| Commercial Interest Checking |
- Entities eligible for Commercial Interest: Nonprofit organizations, sole proprietors and Individuals doing business under trade name ("DBA"). Sole owner LLC not eligible if operated for profit.
- Minimum Deposit to Open: $100
- Variable Rate: Interest compounded daily credited monthly
- Monthly Service Charge: $6 if average daily balance falls below $1,000
- Item Fee: $0.25 per check or ACH paid (No fee for balance of $1,000 & above)
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| Lawyer Trust (IOLTA) |
- Minimum Deposit to Open: $100
- Variable Interest Rate: Interest compounded daily credited monthly
- Minimum Balance Requirement: None
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| Money Market |
- Minimum Deposit to Open: $100
- Variable Rate: Interest compounded daily credited monthly
- Monthly Service Charge: $12 if average daily balance falls below $2,500
- Transaction Limitations: Six withdrawals per month (No limitations on transfers made in person, by mail, ATM, or to pay an Optima Bank loan)
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| Statement Savings |
- Minimum Deposit to Open: $100
- Variable Rate: Interest compounded daily credited monthly
- Monthly Service Charge: $4 if average daily balance falls below $250
- Transaction Limitations: Six withdrawals per month (No limitations on transfers made in person, by mail, ATM, or to make loan payments)
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| Certificate of Deposit |
- Minimum Deposit to Open: $1,000 (Jumbo CD $100,000)
- Fixed Rate: Interest compounded daily credited monthly
- Interest Payment Methods: Add to balance; deposit to checking or savings; ACH transfer or check
- Penalties for early withdrawal may apply
- Custom terms available
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