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Business Deposit Accounts

IOLTA (Interest on Lawyers' Trust Account)

Features

 

  • $100 minimum opening deposit
  • No service charges
  • Pays tiered interest - sent to the NC Bar Association each month
  • Free Online Banking & Bill Pay
  • Cash Management $40/mo.
  • Free check imaging
  • Free Online E-Statements

Benefits

  • Allows attorneys to support the NC Bar Association each month
  • Low minimum balance to open
  • Easy access to funds (checks,Online & Telephone)
  • Easy to read check images

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Commercial Money Market

Features

 

  • $1,000 minimum opening deposit
  • No monthly service charge if $1,000 minimum daily balance is maintained. Otherwise, $10 service charge.
  • Pays tiered interest
  • Free check imaging
  • Free Online E-Statements
  • Free Online Banking & Bill Pay

Transaction Limitations:
No excess transaction charge if transfers to another account or to third parties by preauthorized, automatic, computer or telephone transfers are limited to six per statement cycle by check, draft, debit card or similar order to third parties. There will be a $10 charge per item if you exceed these limits*.

Benefits

  • Earn Interest
  • Helps you save money
  • Higher interest on higher balances
  • Easy access to funds (checks, online & telephone)
  • Safety (FDIC Insurance)

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Basic Business Checking

Features

  • $100 minimum opening deposit
  • $14 statement cycle service charge (if average balance falls below $500)
  • Free Online Banking & Bill Pay
  • Cash Management available for $40 per month
  • 24 Hour Telephone Banking is free
  • Check imaging is free
  • Business VISA Check Card available ($600 Daily ATM Withdrawal Limit; $2000 Daily Point-of-Sale Limit)
  • Payroll Card Account available for employees
  • Free Online E-Statements

Benefits

  • Low minimum balance to open
  • Easy access to money (Online & Telephone)
  • Easy to read check images
  • Service charges can be eliminated by keeping a certain balance

Excess transaction charge of $.35 per item over 100.
(Checks paid, deposits, deposited items, and ATM point of sale transactions.)

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Small Business Checking

Features

  • $100 minimum opening deposit
  • $16 statement cycle service charge (if average balance falls below $1500)
  • Free Online Banking & Bill Pay
  • Cash Management available for $40 per month
  • 24 Hour Telephone Banking is free
  • Check imaging is free
  • Business VISA Check Card available ($600 Daily ATM Withdrawal Limit; $2000 Daily Point-of-Sale Limit)
  • Payroll Card Account available for employees
  • Free Online E-Statements

Benefits

  • Low minimum balance to open
  • Easy access to money (Online & Telephone)
  • Easy to read check images
  • Service charges can be eliminated by keeping a certain balance

Excess transaction charge of $.35 per item over 250.
(Checks paid, deposits, deposited items, and ATM point of sale transactions.)

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Commercial Checking

Features

  • $100 minimum opening deposit
  • Free Online Banking & Bill Pay
  • Free Online E-Statements
  • Free check imaging
  • Cash Management available for $40/month
  • Business VISA Check Card available ($600 Daily ATM Withdrawal Limit; $2000 Daily Point-of-Sale Limit)
  • The monthly service charge net cost is determined by the amount and nature of the transactions in that month. This account features an earnings credit which is applied to reduce or eliminate fees on the account.

Fees are as follows:

  • Monthly Statement Charge - $18           
  • Deposits - $.50 each
  • Withdrawals - $.50 each
  • Debits and Paid Items - $.18 each
  • Coins Supplies - $.15 per roll
  • ACH - $.15 each
  • Currency Supplied - $.15/$100
  • Currency Deposited - $1.50 per $1,000
  • Deposited Items - $.15 each

Benefits

  • Low minimum balance to open
  • Easy Access to Money (Online, ATM & Telephone)
  • Service charges may be eliminated by keeping a certain balance
  • Debit & Paid Items - $.18 each
  • Interest can be earned on excess checking funds (Non-FDIC Insured Sweep available to For-Profit Corporations.)

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Community Non-Profit

Features

  • $100 minimum opening deposit
  • No monthly service charge if $500 minimum daily balance. Otherwise, $10 statement cycle service charge
  • Pays tiered interest
  • Online Bill Pay, at no charge
  • Unlimited Currency exchange
  • Free Online E-Statements
  • Free check imaging
  • Cash Management available for $40/month
  • Business VISA Check Card available ($600 Daily ATM Withdrawal Limit; $2000 Daily Point-of-Sale Limit)

Benefits

  • Low minimum balance to open
  • Low minimum balance to maintain for no service charges
  • Easy access to money (Online & Telephone)
  • Easy to read check images
  • Earns interest (tiered)

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*Rates & Product features are subject to change. Please refer to disclosures available at local branches for each product.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Effective October 1, 2003.

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