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Checking

Account Name Learn More Minimum Balance to Open Monthly Service Charge Balance to Avoid Service Charge Interest Bearing
Small Business Checking More » $100 $15* More » No

Small Business Checking

Small Business Checking is designed for small business owners with moderately low activity 
levels. Most sole proprietors and d/b/a customers will find this account very attractive.

Description

  • Low minimum balance requirement
  • No fee will be assessed for the first 150 combined items
  • Business can control cost
  • Statement is received at end of normal business accounting cycle
  • VISA Checkcard/ ATM card
  • Telephone Banking
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Deposits are FDIC insured

* To avoid monthly service charge, maintain $2,000 average daily balance or $25,000 loan balance or $25,000 total deposit relationship.

Business Interest Checking More » $100 $15* More » Yes

Business Interest Checking

Business Interest Checking designed for small business owners with moderately low activity 
levels who desire an interest bearing account.
 

Description

  • Low minimum balance requirement
  • No fee will be assessed for the first 150 combined items
  • Business can control cost
  • Statement is received at end of normal business accounting cycle
  • VISA Checkcard/ ATM card
  • Telephone Banking
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Deposits are FDIC insured

* To avoid monthly service charge, maintain $2,000 average daily balance or $25,000 loan balance or $25,000 total deposit relationship.

Account Analysis More » $100 Account Analysis* More » No

Account Analysis

Account Analysis is designed for commercial clients with high activity 
levels. This account provides credit for
excess funds maintained by commercial clients. This credit can offset fees/charges
associated with maintaining the account.

Description

  • Allows customers to offset charges by maintaining compensating balances
  • Business can control cost
  • Statement is received at end of normal business accounting cycle
  • VISA Checkcard/ ATM card
  • Telephone Banking
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Deposits are FDIC insured

* By maintaining compensating balances the customer can offset fees.

Account Analysis Interest More » $1,000 $10* More » Yes

Account Analysis with Interest

Account Analysis is designed for commercial clients who desire an interest bearing account. This account provides credit for
excess funds that can offset fees/charges associated with maintaining the account.

Description

  • Allows customers to offset charges by maintaining compensating balances
  • Business can control cost
  • Statement is received at end of normal business accounting cycle
  • VISA Checkcard/ ATM card
  • Telephone Banking
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Deposits are FDIC insured

* By maintaining compensating balances the customer can offset fees.

Business Money Market More » $5,000 $10* More » Yes

Business Money Market

Business Money Market is a tiered interest bearing, limited account
that earns premium rates of interest for higher balances.

Description

  • Unlimited in-person or mail withdrawals
  • Preauthorized transfers are limited to no more than six(6) per statement cycle
  • VISA Checkcard/ ATM card
  • Telephone Banking
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Deposits are FDIC insured

* To avoid monthly service charge, maintain $5,000 daily balance.

Community Checking More » $100 N/A N/A No

Community Checking

Community Checking is ideal for small civic or non-profit organizations
with limited monthly checking activity.

  • No minimum balance requirements
  • No monthly service charge
  • No fee will be assessed for the first 150 combined items
  • No service charges make this account ideal for fund raising activities
  • Provides separate accountability for organizations
  • Statement is received at end of normal business accounting cycle
  • VISA Checkcard/ ATM card
  • Telephone Banking
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Deposits are FDIC insured
Tennessee Lottery More » $100 $10 N/A No

Tennessee Lottery

The Tennessee Lottery account is a non-interest bearing Business Lottery account used exclusively for the deposit of net lottery proceeds.

Description

  • Must be an existing customer
  • Electronic draft will be made by the State Lottery Commission
  • Provides a convenient way to deposit lottery funds
  • Online Banking
  • Mobile Banking
  • Deposits are FDIC insured

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