Accounts

Checking Accounts

Account Details Opening Deposit Interest Bearing Service Charges Account Features
SMALL BUSINESS CHECKING $100.00 No N/A
BUSINESS CHECKING $100.00 No
$6.00
BUSINESS NOW $100.00 Yes* $7.00
COMMERCIAL INTEREST CHECKING $100.00 Yes* $7.00
*Rates are determined by the bank and may be adjusted at the bank's discretion. 
  • The first 100 debits or credits free per month* (either foreign or local)
  • Each additional item - $.30
  • Annual check card fee - $12.00
*Any combination of 100 debits, credits or deposited items per statement cycle
  • Monthly Base Fee in Service Charge - $6.00
  • Activity Fees:
    • Checks/debits - $ .12
    • Foreign items deposited - $ .08
  • Account fees may be offset by earnings credit allowance
  • Designed for sole proprietorships, non-profit organizations and non-profit corporations
  • Tiered rates to maximize interest earnings:
    • $0 - $49,999.99
    • $50,000.00 or more
  • Variable interest rates compounded monthly and paid monthly on daily collected balances*
  • Monthly Base Fee in Service Charge - $7.00
  • Activity Fees:
    • Checks/debits - $ .12
    • Foreign items deposited - $ .08
  • Designed for Corporations and LLCs
  • Tiered rates to maximize interest earnings
    • $0 - $49,999.99
    • $50,000 or more
  • Variable interest rate paid monthly on a minimum $1,000 daily collected balance*
  • Monthly Base Fee in Service Charge $7.00
  • Activity fees:
    • Checks/debits - $ .12 each
    • Foreign items deposited - $ .08 each

Savings/Money Market Accounts

Account Details Opening Deposit Interest Bearing Service Charges Account Features
BUSINESS SAVINGS $100.00 Yes* $3.00
AMERICAN GOLD BUSINESS MONEY MARKET $5,000.00 Yes* $6.00
***Transaction Limitations for Savings & Money Market Accounts: Transfers, cash withdrawals or a combination thereof from these accounts to another account of the depositor at the same institution are unlimited as long as the transactions are made in person, by mail, messenger, or automated teller machine.
We do, however, limit the number of transfers, withdrawals or combinations thereof from these accounts to another of the depositor at the same institution or to a third party by means of a pre-authorized, automatic or telephone agreement, order or instruction, or by check, draft, debit card or similar order. Such transactions are limited to six (6) per calendar month or similar period of at least four weeks. Exceeding these limits may result in the loss of transfer capabilities or the need to open a different type of account. A fee of $5.00 may apply for each such withdrawal over the limit of six (6) in any calendar month or similar period of at least four weeks and may be charged quarterly.


Additional Account Features

  • Tiered rates to maximize interest earnings:
    • $0 - $49,999.99
    • $50,000 or more
  • Variable interest rate compounded daily and paid quarterly on daily ledger balance*
  • Activity fees charged quarterly: 
    • First six (6) withdrawals per quarter free
    • Withdrawals in excess of six (6) per quarter $1.00 each***
    • Balance Fee in Service Charge - $3.00
      (if average daily ledger balance is less than $100.00)
    • Activity fees will be waived with average quarterly ledger balance of $1,500.00
  • Tiered rates to maximize interest earnings
    • $0 - $99,999.99
    • $100,000.00 - $249,999.99
    • $250,000.00 or more
  • Variable interest rates compounded monthly and paid monthly on daily collected balances*
  • Monthly Base Fee in Service Charge $6.00
    • Monthly Base Fee in Service Charge waived with:
      • $5,000 minimum daily ledger balance and
      • $5,000 average monthly ledger balance
  • Activity Fees:
    • Teller-assisted transactions are unlimited***