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Checking Accounts

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Find the Right Account

Are you running a non-profit business?

Yes
No

Non-Profit Interest Checking

Designed for qualified community and civic organizations and churches.

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Checking Account Features:
- Minimum opening balance of $100.00
- No Monthly Service Charge
- 150 free debits, credits and items deposited per month
- $0.30 per additional item
- Earns interest on daily balance

Does your business have less than 300 transactions per month?

Yes
No

Hometown Business Checking

A checking account without a monthly service charge for businesses with moderate activity.

Checking Account Features:
- Minimum opening balance of $100.00
- No Monthly Service Charge
- Up to 300 free debits, credits and items deposited per month
- $0.30 per additional item
- Owner eligible for a personal account with no Monthly Service Charge¹
- All Hometown Business and Commercial Checking accounts include a special overdraft privilege²
1. Minimum opening balance required. Monthly service charge will be waived as long as the corresponding Business Checking Account remains open.
2. In the event you overdraw your checking account, your check will be covered and you will be charged a $32 (per item) authorized overdraft fee. Overdraft Privilege provides a safety net up to $1,500 for business Checking accounts. If you do not want to participate in this service, all you need to do it contact one of our Customer Service Representatives toll-free at 800-723-4718.
Internet and mobile carrier fees may apply for data and text message usage.

Commercial Checking

Checking for businesses with higher balances and activity levels.

Checking Account Features:
- Minimum opening balance of $100.00
- Monthly Service Charge of $50.00
- Monthly Service Charge waived with:
  - $30,000 minimum Commercial balance
- Up to 800 free debits, credits and items deposited per month
- $0.30 per additional item
- Owner eligible for a personal account with no Monthly Service Charge¹
- All Hometown Business and Commercial Checking accounts include a special overdraft privilege²
1. Minimum opening balance required. Monthly service charge will be waived as long as the corresponding Business Checking Account remains open.
2. In the event you overdraw your checking account, your check will be covered and you will be charged a $32 (per item) authorized overdraft fee. Overdraft Privilege provides a safety net up to $1,500 for business Checking accounts. If you do not want to participate in this service, all you need to do it contact one of our Customer Service Representatives toll-free at 800-723-4718.
Internet and mobile carrier fees may apply for data and text message usage.

-	HOMETOWN BUSINESS CHECKING	NON-PROFIT INTEREST CHECKING	COMMERCIAL CHECKING	IOLTA
Overview	A checking account without a monthly service charge for businesses with moderate activity.	Designed for qualified community and civic organizations and churches.	Checking for businesses with higher balances and activity levels.	A non-profit program to coordinate income generated from lawyers' general and pooled trust accounts to fund grants for providers of civil legal services.
Free debits, credits and items deposited per month	Up to 300 $0.30 per additional item	Up to 150 $0.30 per additional item	Up to 800 $0.30 per additional item	-
Minimum to open account	$100.00	$100.00	$100.00	-
Monthly Service Charge	-	-	$50.00	-
Monthly service charge waived with	-	-	$30,000 minimum Commercial balance	-
Owner eligible for a personal account with no monthly service charge1		-
Includes OOPS!™ program2 program2		-		-
Additional Information	-	Earns interest on daily balance.	-	First order of checks reimbursed up to $100.00. Deposits can be submitted electronically with remote deposit capture. Remote deposit capture available free of charge for one year after an IOLTA account is opened.
	Talk to A Financial Consultant	Talk to A Financial Consultant	Talk to A Financial Consultant	Talk to A Financial Consultant

HOMETOWN BUSINESS CHECKING
Overview A checking account without a monthly service charge for businesses with moderate activity.
Free debits, credits and items deposited per month Up to 300 $0.30 per additional item
Minimum to open account $100.00
Monthly Service Charge -
Monthly service charge waived with -
Owner eligible for a personal account with no monthly service charge1
Includes OOPS!™ program2 program2
Additional Information -
Talk to A Financial Consultant

NON-PROFIT INTEREST CHECKING
Overview Designed for qualified community and civic organizations and churches.
Free debits, credits and items deposited per month Up to 150 $0.30 per additional item
Minimum to open account $100.00
Monthly Service Charge -
Monthly service charge waived with -
Owner eligible for a personal account with no monthly service charge1 -
Includes OOPS!™ program2 program2 -
Additional Information Earns interest on daily balance.
Talk to A Financial Consultant

COMMERCIAL CHECKING
Overview Checking for businesses with higher balances and activity levels.
Free debits, credits and items deposited per month Up to 800 $0.30 per additional item
Minimum to open account $100.00
Monthly Service Charge $50.00
Monthly service charge waived with $30,000 minimum Commercial balance
Owner eligible for a personal account with no monthly service charge1
Includes OOPS!™ program2 program2
Additional Information -
Talk to A Financial Consultant

IOLTA
Overview A non-profit program to coordinate income generated from lawyers' general and pooled trust accounts to fund grants for providers of civil legal services.
Free debits, credits and items deposited per month -
Minimum to open account -
Monthly Service Charge -
Monthly service charge waived with -
Owner eligible for a personal account with no monthly service charge1
Includes OOPS!™ program2 program2 -
Additional Information First order of checks reimbursed up to $100.00. Deposits can be submitted electronically with remote deposit capture. Remote deposit capture available free of charge for one year after an IOLTA account is opened.
Talk to A Financial Consultant

IOLTA accounts are not eligible for OOPS!TM (Occasional Overdraft Privilege Service.)

Business checking terms and disclosures

Minimum opening balance required. Monthly service charge will be waived as long as the corresponding business checking account remains open.
OOPS!™ (Occasional Overdraft Privilege Service) is an overdraft service available to eligible checking account customers. For terms and conditions related to our Overdraft Privilege program, please refer to our Overdraft Privilege Service Policy at https://www.golifestore.com/Personal/Checking/Accounts/Oops-Overdraft-Protection-Services. IOLTA and Non-Profit Interest Checking accounts are not eligible for OOPS!™.

Internet and mobile carrier fees may apply for data and text message usage.

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