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Business Accounts

Basic Business
The Basic Business Account is a great option for the small business owner. To qualify for this account, the monthly activity should not exceed 40 checks paid or 100 items deposited. This account requires either a minimum balance of $500 or an average balance of $900. If the balances fall below this level, there is a service charge of $7.50 assessed and a per item fee of .15 for each item over 20 per month.

Business Account Analysis
If you expect your business will generate a higher level of activity (greater than 40 checks paid or 100 deposit items per month), your business will qualify for our Business Analysis account. This account uses a formula that gives you an earnings credit on balances maintained to offset the activity charges on the account. You have the option of maintaining a higher balance to eliminate service charges, or you may choose to keep a lower balance and pay a portion of the service charges each month on the activity. A detailed description of our account analysis is available upon request or one of our personal bankers will be happy to discuss the features with you.

American Investment Account
We offer an interest bearing money market account to businesses as an investment option. This account is a great way to earn interest and still have your funds available when you need them. There is a minimum balance requirement of $5,000 and the activity is restricted to 6 withdrawals per month of which 3 can be checks. There is a minimum withdrawal amount of $500.

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