Checking Comparison
| Account Description | BUSINESS ESSENTIALS | BUSINESS PREFERRED | BUSINESS ANALYSIS |
| Minimum Opening Deposit | 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. |
| Interest Earnings* | $100.00 | $100.00 | $100.00 |
| Earnings Credit Index | Not Applicable | Variable | Not Applicable |
| Minimum Balance Requirement | Not Applicable | Not Applicable | Variable |
| Monthly Maintenance | None | $10,000.00 Average Daily Balance | None |
| Monthly Service Charge (if below minimum) | None | None | $15.00 |
| Checks Written and Other Debits | None | $30.00 | Not Applicable |
| Ongoing Overdraft | 125 Free per Statement; Over 125, $0.25 each | 300 Free per Statement; Over 300, $0.20 each | $0.229 per Item |
| Deposits and Other Credits | $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 |
| Negative Collected Balance Charge | No Charge | No Charge | $0.497 |
| Items Deposited | Not Applicable | Not Applicable | Prime + 4% |
| On Us | Included in "Checks Written and Other Debits." See Above | 300 Free per Statement; Over 300, $0.20 each | See Below |
| Iowa Items | Not Applicable | Not Applicable | $0.109 |
| All Others | Not Applicable | Not Applicable | $0.117 |
| Reserve Requirement | Not Applicable | Not Applicable | $0.149 |
| Check Images | Not Applicable | Not Applicable | 10% |
| Monthly or Annual CD | Free | Free | Free |
| FDIC Assessment | Available | Available | Available |
| Business Visa Check Card | Not Applicable | Not Applicable | Current Rate |
| Business Online Banking | Free | Free | Free |
| Remote Deposit | Free | Free | $30.00 |
| Online Bill Pay | Not Applicable | Available | Available |
| Online Statements | Available | Available | Available |
| 24 Hour Phone Banking | Required | 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.