| Regular Business Checking |
Regulation
DD (Truth in Savings)
No minimum balance required. Monthly maintenance charge is
$6.00, Debits (checks) $0.23 each, Credits (deposits) $0.23
each, transit and on us deposit items $0.08 each. Earnings
credit against service charges: Based on a current rate set
by the bank (x) 90% of the average collected balance during
the statement cycle and will not exceed total service
charges. Earnings credit is subject to change withoug
notice and the current rate may be obtained by calling a
Bank officer at 785.945.3231. At customer's request, a
Bank officer can run a pro forma based on your estimated
account activity before opening account with no
obligation. Shazam® ATM or Shazam®
Chek card (Per Shazam® Disclosure & Bank
Approval) $1.25 per month maintenance fee. Online
Banking plus "Billpayer" $5.95 per month includes
10 FREE "Billpayer" transactions ($0.55 per "Billpayer'
transactions over 10).
{See Online Banking disclosure (below) for complete
details}. Statements: Monthly or Semi-Annually.
“Account Agreement” (Disclosure)
applies. “Business Account Terms and Conditions” (Disclosure)
will apply.
| Business Checking
options:
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| Small Business Account |
Regulation
DD (Truth in Savings)
A Small Business is defined as an account that has 25 debits
(checks) or less during the statement cycle. The
monthly maintenance charge is $4.00. If there are more
than 25 debits/checks the Regular Business account
maintenance fee is charged. All other charges and
credits are the same as a Regular Business. Shazam® ATM or Shazam®
Chek card (Per Shazam® Disclosure & Bank
Approval) Online
Banking plus "Billpayer" $5.95 per month includes
10 FREE "Billpayer" transactions ($0.55 per "Billpayer"
transactions over 10) OR $2.00 per month (NO "Billpayer").
{See Online Banking disclosure for complete details}.
Statements: Monthly or Semi-Annually. “Account Agreement” (Disclosure)
applies. “Business Account Terms and Conditions” (Disclosure)
will apply.
| Small Business
Checking
options:
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| Organizational
or Non-Profit Checking |
Regulation
DD (Truth in Savings)
For a MONTHLY
STATEMENT:
NO MONTHLY MAINTENANCE CHARGE (if a minimum monthly
balance maintained at $300 or above.)
However, if the minimum balance falls below $300 any day
during the monthly statement cycle the maintenance charge is
$3.00.
For a SEMI-ANNUAL
STATEMENT: NO MONTHLY MAINTENANCE CHARGE (if a
minimum monthly balance maintained at $300 or above.)
However, if the minimum balance falls below $300 any day
during the monthly statement cycle the maintenance charge is
$2.00. ACTIVITY CHARGES FOR MONTHLY OR SEMI-ANNUAL ACCOUNTS:
Deposits/Credits: 5 Free per month ($0.23 per
credit/deposit over 5). Debits/Checks Transactions: 15 Free per month ($0.23
per debit/check over 15).
Credit against service charges--based on a current
rate set by the bank (X)
90% of the average collected balance over $500.00
during the statement cycle and will not exceed total service
charges. Earnings credit is subject to change without notice
and the current rate may be obtained by calling a Bank
officer at 785.945.3231.
Shazam®
ATM or Shazam®Chek card (Per Shazam®
Disclosure
& Bank Approval) Online Banking: $2.00@ mo. (No “Billpayer”
transactions) OR Online Banking plus “Billpayer”
includes 10 FREE “Billpayer” transactions $5.95@mo.
($0.55 per “Billpayer” transaction over 10)
{See Online Banking disclosure for complete details} “Account Agreement” (Disclosure)
applies. “Business Account Terms and Conditions” (Disclosure)
will apply.
| Organizational
or Non-Profit Checking
|
|
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| Business
Money Market Account |
Regulation
DD (Truth in Savings)
This business
account bears interest - the tiering method. Interest
rate and annual percentage yield are included in the rate
chart. Your interest rate and APY may change at our
discretion at any time without limitation. Monthly
Maintenance Fee & Minimum Balance: You must
maintain a minimum monthly balance of $2500.00 or an average
monthly collected balance of $5000.00 to avoid a monthly
maintenance fee of $10.00. Debit/Checks Transactions: A
maximum of six (6) pre-authorized or automatic or phone
transfers from money market accounts to third parties or
other accounts per month--three(3) may be by check or draft.
Excess over six (6) are $10.00 each. Date check is paid will
be used rather than date on check. Any number of transfers
or withdrawals per month may be made in person or by mail or
messenger.
We
use the daily balance method to calculate the interest on
your account. This method applies a daily periodic rate to
the principal in the account each day. Interest will be
compounded and credited every month to your account. If you
close you account before interest is credited, you will not
receive the accrued interest. Interest begins to accrue no
later than the business day we receive credit for the
deposit of non-cash items. Shazam ®
ATM or Shazam ®
Chek card (Per Shazam ®
Disclosure & Bank Approval). Online Banking:
$5.95 per month. Online Banking plus "Billpayer"
includes 10 FREE "Billpayer' transactions ($0.55 per
"Billpayer" transactions over 10) OR $2.00 per
month (No "Billpayer). {See Online Banking
disclosure for complete details}. Statements:
Monthly or Semi-Annually.
“Account
Agreement” (Disclosure)
applies. “Business Account Terms and Conditions” (Disclosure)
will apply.
| Business
Money Market Account
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