Main Office

(850) 434-9300

After Hours:
(888) 730-7790

 

 

 

 

Connect With Us

 

Checking

FEATURES FOR ALL CHECKING ACCOUNTS

  • $100 Minimum Deposit to open
  • Free Internet Banking Available
  • Imaged Monthly Bank Statements
  • Electronic Statements Available

Small Business Checking

  • $10 Monthly Maintenance Fee (can be avoided by maintaining a $2,000 monthly average collected balance)
  • 150 deposited items free ($0.30 per item in excess)
  • 150 debited items free ($0.30 per item in excess)

Business Interest Checking

  • (For individuals, sole proprietorships, spouses operating unincorporated businesses, and non-profit organizations)
  • Tiered Interest Rate Structure
  • Interest compounded daily, credited monthly and paid on the collected balance;. No minimum balance required to earn interest. 
  • $10 Monthly Maintenance Fee (can be avoided by maintaining a $1,500 minimum daily ledger balance or a $2,500 monthly average collected balance.)  No minimum balance required to earn interest.
  • 75 deposited items free ($0.15 per item in excess)
  • 75 debited items free ($0.15 per item in excess)

Commercial Analyzed Checking

  • A monthly account analysis determines the monthly balance available to reduce or eliminate any maintenance fee or service charges.  An earnings allowance, computed using the positive average collected balance, less a 10% reserve requirement, is used to offset analysis activity charges each month.  This allowance is based on current market rates and is subject to change.  The following criteria apply:
  • Non-interest bearing account
  • $12 monthly maintenance fee
  • $0.10 per deposited item
  • $0.12 per debited item
  • $0.25 per deposit

Non-Profit Checking

  • (For Non-Profit Organizations Only)
  • Tiered interest rate structure...interest will be compounded daily, credited monthly and paid on the collected balance.  No minimum balance required to earn interest
  • $5 monthly maintenance fee can be avoided by maintaining a $500 minimum daily ledger balance or a $1,000 monthly average collected balance.
  • 100 deposited items free ($0.15 per item in excess)
  • 100 debited items free ($0.15 per item in excess)

 

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