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Checking Comparison
Account Description Designed for emerging and established businesses with low volume. Interest bearing checking account offering a better value to businesses that maintain higher balances. High activity checking account that utilizes earned credit to offset service and maintenance fees.
Minimum Opening Deposit $100.00 $100.00 $100.00
Interest Earnings* Not Applicable Variable Not Applicable
Earnings Credit Index Not Applicable Not Applicable Variable
Minimum Balance Requirement None $10,000.00 Average Daily Balance None
Monthly Maintenance None None $15.00
Monthly Service Charge (if below minimum) None $30.00 Not Applicable
Checks Written and Other Debits 125 Free per Statement; Over 125, $0.25 each 300 Free per Statement; Over 300, $0.20 each $0.24 per Item
Ongoing Overdraft $5.00 to be charged on the 3rd day $5.00 to be charged on the 3rd day $5.00 to be charged on the 3rd day
Deposits and Other Credits No Charge No Charge $0.54
Negative Collected Balance Charge Not Applicable Not Applicable Prime + 4%
Items Deposited Included in "Checks Written and Other Debits." See Above 300 Free per Statement; Over 300, $0.20 each See Below
On Us Not Applicable Not Applicable $0.13
Iowa Items Not Applicable Not Applicable $0.15
All Others Not Applicable Not Applicable $0.17
Reserve Requirement Not Applicable Not Applicable 10%
Check Images Free Free Free
Monthly or Annual CD Available Available Available
FDIC Assessment Not Applicable Not Applicable Current Rate
Business Visa Check Card Free Free Free
Business Online Banking Free Free $50.00
Remote Deposit Not Applicable Available Available
Online Bill Pay Available Available Available
Online Statements Required Free Free
24 Hour Phone Banking Free Free Free

* Refer to CBT rate sheet for more information on interest rates and annual percentage yields. All fees will be subject to state and local sales tax.