Business Checking Accounts* All Non-Dividend Earning

Business Checking Accounts* – All Non-Dividend Earning

Essential Business Checking – S15 Traditional Business Checking – S16 Monthly Fee: $10 (waived if average balance in Monthly Fee: $15 (waived if average balance in account is $5,000 or more) account is $10,000 or more) Checks allowed per month: 50 Checks allowed per month: 100 Deposits allowed per month: 10 Deposits allowed per month: 20 Items deposited allowed per month: 50 Items deposited allowed per month: 100 Currency in or out per month: $5,000 Currency in or out per month: $10,000

Ultimate Business Checking – S17 Community Business Checking – S18 Monthly Fee: $25 (waived if average balance in Monthly Fee: None account is $15,000 or more) Checks allowed per month: 200 Checks allowed per month: 25 Deposits allowed per month: 30 Deposits allowed per month: 5 Items deposited allowed per month: 250 Items deposited allowed per month: 25 Currency in or out per month: $20,000 Currency in or out per month: $2,500 *Excess activity charges as described will apply

Per Item Excess Activity Charges - Deposits: $2.00 – assessed on the 1st or 2nd business day of the next month - Items Deposited: $0.35 – assessed on the 1st or 2nd business day of the next month - Checks: $0.35 – assessed on the last day of the month - Currency in/out: $2.00 per $1,000 **

**May be waived initially

General Guidelines

1. Business Account Agreement  Make sure the Business Type is checked off  All names on the back of the agreement must sign on the front  Line through all unused portions of the application

2. Opening the Account  If using a SSN (rather than EIN) complete the SSN Card Name field (last name – first name format)  Leave Home Phone blank  Gender is “Unknown”  Leave Date of Birth blank  Use code 13 for the “Mbrshp Applic Type” code  Use the appropriate “How Qualify” code  Use 3 or 4 only for “Who Signed Mbrsp App?” code  Joint Owner Associations for all business except Sole Proprietorship:  If a signer is already a member, establish a new joint owner number and link that number as the joint association.  If using “How Qualify” code 39 (Current member opening new acct), load the existing member number as a reference only (do not link it as joint owner)

3. ATM or Global Access Cards can be ordered for the following business types:  Sole Proprietorship  Any Partnership  Limited Liability Companies  Informal Organizations The high limit maximum for Global access cards is $1,000 for all business types, no exceptions Limits should be lowered based on the ChexSystems or credit report data for one or more signers

4. Changes to authorized signers  Must get new Business Account Agreement signed by ALL signers  Get appropriate documentation supporting the change  Must close any ATM or Global card issued in the old signer’s name