Business Analysis Checking

The Business Analysis Checking Account is designed for large transaction volume accounts.

ACCOUNT FEES

• $5.00 monthly maintenance fee
• 10 cents per debit item

NO charge for on-us deposit items

• 4 cents per foreign deposit item charge

MONTHLY NEGATIVE COLLECTED BALANCE CHARGE

The greater of either 1% x (the negative collected balance for the month) or 1/12 ((the negative collected balance for the month) x (the National Prime Lending Rate as set out in the Central Edition of the Wall Street Journal on the last Tuesday of the preceding month + 6%)).

STATEMENT CHARGES

NO statement charge for imaged statements

MONTHLY EARNINGS CREDIT

1/12 ((90% of average collected balance for the month) x (the 90 day Treasury Bill yield on the last Tuesday of the preceding month)).
Balances in external sweep Money Market Mutual Funds are excluded from the monthly earnings credit calculation for this account.

Only when the activity charge is greater than the earnings credit will there be a service charge to the account.

MINIMUM DEPOSIT TO OPEN ACCOUNT

• $100.00 minimum opening deposit

SWEEPS (Optional)

After each day's transactions have posted, any funds in excess of the customer's peg balance, will be swept into or deficit funds taken out of a Money Market Mutual Funds Account.
This service keeps any excess funds invested. A $15.00 monthly service fee will be charged for optional sweep services. This fee will not be reduced by the account earnings credit.