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Business Checking & Savings

Business Checking

*Annual Percentage Yields and Interest Rates are current as of October 21, 2022.

Small Business Checking

Low cost checking for small businesses with limited transactions.

Minimum Opening Deposit	Minimum Balance Requirement	Monthly Service Charge	Transaction Fees	APY*	Interest Rate
$300	None	None	300 free items per month (includes deposits, deposited items, debits, ACH); $0.30/item over 300	None	None

Commercial Checking

Earnings credit to offset fees = Current NOW account rate.
Unlimited checkwriting.
Essential tool for medium to large businesses with higher levels of activity.

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY*	Interest Rate
$300	None	$10/month service charge + transaction fees	$0.15/deposit, $0.10/deposited item, $.015/debit (includes ACH)	None	None

Community NOW Checking

Designed for non-profit organizations

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY*	Interest Rate
$300	No daily balance requirement to earn interest	None	None	0.05%	0.05%

Merchant Checking

Earnings credit to offset fees = Current NOW account rate (based on average monthly ledger balance less average uncollected balance and bank’s legal reserve amount).
Designed for high volume retail accounts.

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY*	Interest Rate
$300	None	$15/month service charge + transaction fees	• $0.66/deposit • $0.36/deposited item • $0.23/debit (includes ACH) • $1.35/$1,000 currency • $0.35/coin roll • $1.65/$1,000 currency (cash) deposited • FDIC insurance fee = $0.19/$100 average monthly balance • $75 overnight security fee	None	None

Business Savings

Commercial Savings Account

A safe haven for business assets
Quarterly statement

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees	APY*	Interest Rate
$200	No daily balance required to earn interest	$9/quarter service charge if daily balance falls below $200	Nine free withdrawals per quarter; additional withdrawals are $1 each	0.05%	0.05%

Commercial Money Market

The higher the balance, the higher the rate
Maintain minimum balances in the account each day to earn interest

Minimum Opening Deposit	Monthly Balance Requirement	Monthly Service Charge	Transaction Fees
$1,500	Daily balance requirement of $200 or more to earn interest	$10/month service charge if balance falls below $5,000	Checks and electronic debits are $2 each.

Balance	APY*	Interest Rate
Below $2,499.99	0.05%	0.05%
From $2,500.00 to $9,999.99	0.05%	0.05%
From $10,000.00 to $24,999.99	0.10%	0.10%
Above $25,00.00	0.15%	0.15%

Certificates of Deposit

$500 minimum to open
Maintain daily minimum balance of $500 or more to earn interest

Type	APY*	Interest Rate
12 Month CD	3.51%	3.46%
15 Month CD	0.20%	0.20%
18 Month CD	0.25%	0.25%
22 Month CD	0.25%	0.25%
24 Month CD	0.30%	0.30%
30 Month CD	0.30%	0.30%
36 Month CD	0.40%	0.40%
48 Month CD	0.50%	0.50%
60 Month CD	0.55%	0.55%

Certificates of Deposit

$2,500 minimum to open
Maintain daily minimum balance of $2,500 or more to earn interest

Type	APY*	Interest Rate
3 Month CD	4.06%	4.00%
6 Month CD	4.35%	4.28%
9 Month CD	0.15%	0.15%

Jumbo Certificates of Deposit

$100,000 minimum to open
Maintain daily minimum balance of $100,000 or more to earn interest

Type	APY*	Interest Rate
3 Month CD	4.06%	4.00%
6 Month CD	4.35%	4.28%
12 Month CD	3.51%	3.46%
24 Month CD	0.30%	0.30%

For current rate information, call 217-351-2870.

Any fees associated with the above accounts can decrease the earnings on the account.
Variable Rate Accounts are subject to interest rate changes after the accounts are opened.
All certificates are subject to early withdrawal penalties.

For more information call or email:

Cary Steinman
[email protected], opens in default email program
(217) 351-2870

Zack Flynn
[email protected], opens in default email program
(217) 351-2870