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CHECKING ACCOUNTS

SUCCESS BUSINESS CHECKING

This Account Is Best For You If: Your business is just starting out or you have few transactions per statement cycle.

Account Features:

  • Low opening balance
  • Free online banking and debit card
  • No monthly service charge
ACHIEVE BUSINESS CHECKING

This Account Is Best For You If: You want a simple interest-earning account and check writing ability, but do not have many transactions.

Account Features:

  • Interest earning
  • Free online banking and debit card
  • Low monthly service charge
  • Low transaction fees
PROGRESS BUSINESS CHECKING

This Account Is Best For You If: You are a business with a high volume of transactions but maintain a large balance to which earnings credit will be applied and offset monthly costs associated with the account.

Account Features:

  • Low opening balance
  • Earnings Credit applied to balances
  • Free online banking and debit card
FOCUS BUSINESS CHECKING

This Account Is Best For You If: Your business typically has a significantly high volume of transactions and will benefit from a checking account structured to fit your specific needs.

Account Features:

  • Custom requirements, fees, and interest
  • Free online banking and debit card
COMMUNITY INTEREST CHECKING

This Account Is Best For You If: You are a non-profit organization with minimal monthly transactions and a preference for interest-earning accounts.

Account Features:

  • Low opening balance
  • Interest earning
  • Free online banking and debit card

Managing cash flow is critical to a successful business. Our business bankers are here to help. Because every business is unique, we take the time to listen and understand your specific needs, then find the checking solution that fits you best!

Bankwise Online Banking

Manage your cash flow whenever and wherever you are with 24/7 access to your accounts, online bill pay, statements, and transfers.  Bankwise Online Banking is the unique platform for many additional services and is available on your computer, smartphone or tablet.

eProducts

A complete line of free, convenient and incredibly flexible banking products including:
eStatements, a greener, more secure way to receive your monthly statement.
ePay, the fastest, easiest way to pay bills.

Commercial Deposit Services and Options

  • ACH Manager

Secure, electronic way to pay everyone including but not limited to suppliers, vendors and employees or collect rent or membership fees from your clients. This will reduce check writing costs, decrease fraud opportunities and increase payee satisfaction. Our fully customizable solution gives you the ability for dual control processing of your payables.

  • Same Day ACH

Cost effective way to send money the same day.  Submit ACH files before 1 PM Central Time and transactions will process the same day.

  • checXchange

Return check management service that assists in the collection process of returned deposited checks. This is a free service that provides peace of mind and less expense with collections.

  • Positive Pay

Automated check fraud detection service that matches checks presented for payment against a check issued file you provide the bank. Exceptions to the matches require a pay or reject decision by your business.

  • Remote Deposit

Secure system allowing paper checks to be scanned at your business and deposited electronically. This service gets your deposits to the bank faster, safer and more efficiently.

  • Retail LockBox

Accounts receivable service where the bank receives, processes and deposits payments directly to your business account.  . Receipt images are provided electronically.

  • Wire Manager

Secure way to request outgoing wire transfers electronically.

 

Transaction Details:

Transactions processed on an account fall within one of the categories below. If transaction fees apply, the cost associated with each category is listed on the account details.

Deposit: branch deposits, mobile deposits, remote deposits

Deposited item: the checks included within a deposit

Check: checks, over the counter withdrawals at a branch

ACH: automatic debit, automatic credit, direct deposit

AFT: online banking transfer between accounts, automatic transfer between accounts, online loan payment and advances

POS: debit card transactions

ATM: ATM transactions