Business Banking > Business Checking

Commercial Checking

Provides an easy and accurate way to track your account activity. Designed for businesses that require a wide range of banking services and have a moderate number of transactions. Working in conjunction with our Lockbox Service and a Zero Balance Account, it ensures that our customers maximize the return on their working assets. A competitive earnings credit rate is applied to collected balances and is used to offset applicable service charges.

	Monthly maintenance fee		5.00
	Activity fees:	per debit	.20
		per credit	.10
		per deposit item	.08
	Free Check Images returned in monthly statement
	Check Return available for $10.00 monthly fee

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Free Small Business Checking

Ideal for small businesses, offering up to 100 free items per month. Easy-to-balance monthly statement listing account activity. Optional check images available for a fee with your statement. Free Online Banking and Business ATM/Check/Debit card available with account. No minimum balance requirement.

	100 free items; $.25 per item over 100 Items include checks, debits, deposits and deposit items
	Free Small Business online banking 24/7 access to your account with eCom
	Free ATM or Check Card transactions One-time $25 fee for ATM or Check Card set up

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Super NOW Account

Interest bearing checking is restricted to sole-proprietors and non-profit organizations and provides free check images with your monthly statement. Business ATM/Check/Debit card available with account.

	Monthly interest payment based on the average available balance for the statement cycle.
	The same maintenance and activity fees for Commercial Checking apply to this account.
	Check Return available for $10.00 monthly fee.

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Lockbox Service

TNB's Lockbox Service accelerates the collection of accounts receivable, improves cash control, and maximizes funds availability. It also provides your business with enhanced audit control and administrative savings.

Each of our Lockbox Service customers is assigned a U.S. Post Office box number to take in Accounts Receivable payments. Checks are processed by Lockbox Specialists and a remittance advice, as well as other contents, may be sent to the customer daily, per customer request or agreement.

Lockbox Fees can be offset by an earnings credit if your account is on analysis.

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Zero Balance Account

This account is tied to a master commercial checking account and can help your business run more efficiently. When items are presented for payment, an automatic transfer from the master account will be made in the exact amount to cover the items presented for payment, maintaining a "zero" balance in the account. This convenience will prevent carrying excess funds in a secondary account and will allow these funds to be used for other purposes. This account generally works well as a payroll account.

	Monthly maintenance fee		30.00
	Activity fees:	per debit	.20
		per credit	.10
		per deposit item	.08
	Free Check Images returned in monthly statement
	Check Return available for $10.00 monthly fee

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Premium Money Market Account

Maximize the return on your investable balances with tiered rates and have immediate access to cash through limited check writing and unlimited ATM and teller withdrawals. Premium MMA rates are comparable to CDs for balances greater than $50,000.

$10.00 maintenance fee applies if monthly average available balance drops below $50,000

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Click Here to view our Current Deposit Rates

*Interest paid monthly on average available balance.

*Fees may reduce the earnings on the account.

Money Market Account

Maximizes the return on the funds your business is not currently using and offers limited check-writing privileges with tiered interest rates, based upon deposit level. Offers a higher rate of interest than a Super NOW account.

	$10.00 maintenance fee applies if monthly average available balance drops below $5,000
	$5.00 excessive withdrawal fee for items over 6 per month

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Balance & Rate Information

	$1,000 minimum balance to open account ($100 to open Free Small Business Checking)
	Earnings credit for commercial checking will be applied to offset fees, set at the prevailing Super NOW rate.
	Earnings credit will not exceed the service charge amount.
	Service charge calculations and earnings credit rate are based on the average investable balance for the month
	The investable balance is the average available balance less 10% reserves.
	Interest rates and annual percentage yields (APY) may change at any time, at the bank's discretion.
	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 credited monthly at the end of each statement cycle.
	If you close your account before interest is credited, you will not receive the accrued interest.

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Transaction Limits Applicable to Money Market Accounts

	In-person withdrawals at an ATM or at the bank are unlimited.
	Other transfers/withdrawals are restricted by Federal regulation.
	No more than 6 withdrawals via online or telephone transfer per month.
	No more than 3 transactions via CheckCard, ACH, personal check or online bill payment per month.

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Fees & Charges Applicable to All Checking Accounts

	NSF Item (paid or returned)	25.00
	Returned Item Charge	3.00
	Stop Payment Request	20.00
	Dormant Account Fee	10.00
	Check printing fees may vary depending upon the style of checks ordered.

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