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Valley Falls Winchester Nortonville Locations

Business Accounts : Checking
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Regular Business Checking

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Small Business Account

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Organizational or Non-Profit Checking

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Business Money Market Account

Disclosures

 

 

Regular Business Checking
Regulation DD (Truth in Savings)
No minimum balance required. Monthly maintenance charge is $7.00, Debits (checks) $0.24 each, Credits (deposits) $0.24 each, transit and on us deposit items $0.13 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) $1.35 per month maintenance fee.  Online Banking plus "Billpayer" $5.95 per month includes 10 FREE "Billpayer" transactions ($0.58 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:
bulletSHAZAM®Chek/ATM card or a SHAZAM® ATM card (Disclosure)
bullet Online Banking/Billpayer Disclosure

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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 $5.00.  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 ($0.58 per "Billpayer" transactions over 10) OR $2.50 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:
bulletSHAZAM®Chek /ATM card or a SHAZAM® ATM card (Disclosure)
bullet Online Banking/Billpayer Disclosure  

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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 $4.00. 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 $3.00. ACTIVITY CHARGES FOR MONTHLY OR SEMI-ANNUAL ACCOUNTS:   Deposits/Credits: Unlimited Debits/Checks Transactions: 15 Free per month ($0.24 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: $2.50@ mo. (No “Billpayer” transactions) OR Online Banking plus “Billpayer”  includes 10 FREE “Billpayer” transactions $5.95@mo. ($0.58 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
bulletSHAZAM®Chek/ATM card or a SHAZAM® ATM card (Disclosure)
bullet Online Banking/Billpayer Disclosure

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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 $12.00.  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 $12.00 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.  Transit Items:  15 Free per statement period (Transit checks deposited or cashed will be charged $0.13 over 15).  On Us Items:  15 Free per statement period (Transit checks deposited or cashed will be charged $0.13 over 15).  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 ($0.58 per "Billpayer" transactions over 10) OR $2.50 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
bulletSHAZAM®Chek/ATM card or a SHAZAM® ATM card (Disclosure)
bullet Online Banking/Billpayer Disclosure

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