COMMERCIAL CHECKING

Monthly service charge $12.00
Debits posted charge $ 0.17
Credits posted charge $ 0.25
Deposited items charge $ 0.07


Minimum balance to open account: $50.00

This account has unlimited check writing with the ability for an Earnings Credit to offset the above listed charges. The Earnings Credit is based on the 91-day Treasury Bill rate less reserves and FDIC insurance will be applied toward the calculated charges on the account.

The following tiers will be applied:

$500,000.00+ 98%
$100,000.00-$499,999.99 85%
$25,000.00-$99,999.99 80%
$0-$24,999.99 75%

Check item images returned with monthly statement.

Borrowed funds charge on all uncollected balances: FLB Base Rate + 2%.

Online banking service (FLB MyBanker®) and Treasury Management Services are available with this account. See FLB Representative for details.

VISA® BUSINESS DEBIT CARD
Available on all non-interest bearing commercial accounts upon approval.