Commercial Banking Navigation

Commercial Deposit Products

Commercial Checking

  • No Monthly Service Charge.
  • No Minimum Balance required.
  • Item Fee: $0.50 per debited item for over 150 items. $0.50 per credited item for over 50 items.
  • Cash Management and add-on services available.
  • Minimum Deposit to open: $100.

Commercial Analysis

  • Premium Earnings Credit to offset fees.
  • Item Fee: $0.20 per check paid, ACH debit and ACH credit, $0.50 per deposit made and $0.10 per deposited item.
  • Monthly Service Charge: $8.
  • Cash Management and add-on services available.
  • Minimum Deposit to open: $100.

Commercial Interest Checking

  • Variable Rate: Interest compounded daily, credited monthly.
  • Commercial Interest Account Eligibility: Nonprofits, sole proprietors and individuals doing business under trade name.
  • Monthly Service Charge: $6 if average daily balance falls below $1,000.
  • Item Fee: $0.25 per each debited item. (No fee for balance of $1,000 and above.)
  • Minimum Deposit to open: $100.

Lawyer Trust (IOLTA)

  • Variable Interest Rate: Interest compounded daily, credited monthly.
  • No Minimum Balance required.
  • Minimum Deposit to open: $100.

Money Market

  • 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.)
  • Minimum Deposit to open: $100.

Statement Savings

  • 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 pay an Optima Bank loan.)
  • Minimum Deposit to open: $100.

Certificate of Deposit

  • 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.
  • Minimum Deposit to open: $1,000.
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CUSTOMER INFORMATION LINE

603-433-9600


FULL-SERVICE BRANCHES

Portsmouth
Downtown

603-433-9611
Two Harbour Place
Portsmouth, NH
03801

Portsmouth
Pease Tradeport

603-433-9655
20 International Drive
Portsmouth, NH
03801

Bedford

603-488-6040
99 S River Rd
Bedford, NH
03110

North Hampton

603-433-9633
26 Lafayette Road
North Hampton, NH
03862

Stratham

603-773-5222
17 Portsmouth Avenue
Stratham, NH
03885

CORPORATE OFFICES

603-433-9600
Two Harbour Place
Portsmouth, NH
03801

LOAN OFFICES

Dover

603-516-1175
828 Central Avenue
Dover, NH
03820