CHECKING ACCOUNTS

Basic Business Checking

An account designed for businesses with limited transaction activity.

Initial Deposit:	$100
Monthly Maintenance Fee:	$15/month
Waived With Balance of:	$3000/month minimum balance
Transactions Allowed:	Up to 75 checks free per month Up to 15 deposits per month
Excessive Transaction Fees:	$0.25 per check over 75 $1.50 per deposit over 15

Note: Excess item fees cannot be waived by maintaining the required minimum balance. The Bank may convert this account to another appropriate account if excessive activity persists.

Business Checking

An account designed for businesses with average transaction activity.

Initial Deposit:	$100
Monthly Maintenance Fee:	$20/month
Waived With Balance of:	$5,000/month minimum balance
Transactions Allowed:	Up to 200 checks free per month Up to 25 deposits per month
Excessive Transaction Fees:	$0.20 per check over 200 $1.50 per deposit over 25

Note: Excess item fees cannot be waived by maintaining the required minimum balance. The Bank may convert this account to another appropriate account if excessive activity persists.

Business Analysis Checking

A full service account for businesses with above-average transaction activity.

Initial Deposit:	$100
Monthly Maintenance Fee:	$16/month Monthly maintenance fee applies as part of analysis charges.
Explanation of Earnings Allowance:	An Earnings Allowance on the net available balance is applied to offset the monthly analysis charges.
Explanation of Interest Rate:	It is a variable earnings rate based on the 3 Month T-Bill Auction Rate in effect on the first Tuesday of each month.
Annual Interest Rate/ Annual Percentage Yield:	Click here for the most current Business Deposit Rates

Business Interest Checking

An analyzed interest-earning account for sole proprietors, non-profit organizations and government agencies with moderate transaction activity.

Initial Deposit:	$100
Monthly Maintenance Fee:	$16/month Monthly maintenance fee applies as part of analysis charges.
Explanation of Earnings Allowance:	An Earnings Allowance on the net available balance is applied to offset the monthly analysis charges.
Explanation of Interest Rate:	It is a variable earnings rate based on the 3 Month T-Bill Auction Rate in effect on the first Tuesday of the month. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). This account earns interest at the Bank’s Business Savings Rate paid on the daily balance
Annual Interest Rate/ Annual Percentage Yield:	Click here for the most current Business Deposit Rates

Premier Checking*

An analyzed high interest earning account for non- profit organizations and selected government agencies with moderate transaction activity.

Initial Deposit:	$100,000
Monthly Maintenance Fee:	$16/month Monthly maintenance fee applies as part of analysis charges.
Explanation of Earnings Allowance:	An Earnings Allowance on the net available balance is applied to offset the monthly analysis charges.
Explanation of Interest Rate:	It is a variable earnings rate based on the 3 Month T-Bill Auction Rate in effect on the first Tuesday of the month. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest is compounded daily on the balance and is a variable rate based on the 3 Month T-Bill Auction Rate, and the following tiers: I: $99,999 or less II: $100,000 to $249,999 III: $250,000 to $499,999 IV: $500,000 to $999,999 V: $1,000,000 or more
Annual Interest Rate/ Annual Percentage Yield:	Click here for the most current Business Deposit Rates

*The Bank reserves the right to require seven days written notice prior to withdrawal of any funds in this account.

Future Changes
Community Bank reserves the right to make changes in this Schedule at any time. Unless changes must be made immediately to comply with a specific law or regulation, the Bank will give such notice as required by laws or regulations.

Member FDIC