free business checking
This checking account is designed to keep things simple for your business. There’s no minimum balance, no monthly maintenance fee and you can process up to 260 transaction items* every month for free. (It’s only $0.25 per transaction item* thereafter.) Manage your money easily from your computer or phone and access your funds anywhere you go with a Debit BusinessCard. We also offer a suite of the latest products designed to protect your money and give you greater control over when and how you bank.
*Transaction Item Means Checks Paid or Items Deposited
business checking
Designed for businesses that maintain a high balance or process a significant number of transactions each month. We give you a monthly Earnings Credit allowance based on your available balance to offset part or all of the monthly maintenance fees. This Earnings Credit is based on a variable rate subject to change at the Bank’s discretion and will be applied to the average balance less uncollected funds and a 3% reserve requirement. If the account has a negative available monthly balance, an Uncollected Funds Usage Fee equal to the Bank’s base lending rate plus three percentage points will be applied.
$100 Minimum Initial Deposit
$10 Monthly Maintenance Fee
$0.15 Per Item Deposited
$0.15 Per Credit
$0.25 Per Debit Transacted
interest business checking
Why not earn a little interest on what you have in your business checking account? This account is great for businesses who have a high balance because interest earned that exceeds activity charges is credited to the account balance. It only takes $100 to open an Interest Business Checking account!
Variable Interest Rate
Interest Accrues on Daily Collected Balance
$10 Monthly Maintenance Fee
$0.15 Per Item Deposited
$0.15 Per Credit
$0.25 Per Debit Transacted
public funds checking
Supporting the banking needs of our local towns, schools, and other public organizations is our specialty. We know the way you manage your money is different, which is why having a local banking partner on the ground with you who understands your financial needs is so important. Our Public Funds Checking account was created with your entity in mind and offers lower transaction fees than our regular business checking accounts with only an $8 monthly maintenance fee. You’ll also have access to our suite of the latest online business products, designed to help you manage your account from anywhere.
$0.13 Per Item Deposited
$0.15 Per Credit
$0.18 Per Debit Transacted
interest public funds checking
Take our great Public Funds Checking Account and throw in the ability to earn interest and you’ve got a home run for the public entity you serve. Interest earned that exceeds activity charges is credited to the account balance.
Variable Interest Rate
Interest Accrues on Daily Collected Balance
$8 Monthly Maintenance Fee
$0.13 Per Item Deposited
$0.15 Per Credit
$0.18 Per Debit Transacted
iola
For attorneys only. IOLA Accounts, or the New York State Interest on Lawyer Account Fund, is an account for attorneys to deposit small amounts or short-term funds for several clients in the same account. The interest earned on this account is paid directly to the IOLA Fund, which provides money to non-profit civil legal services in New York State.
Variable Interest Rate
Interest Accrues on Daily Collected Balance
$10 Quarterly Maintenance Fee
Online Banking Available for Inquiries Only