FSB Business Disclosures

Business Disclosures

Business Basic Checking

Minimum opening deposit $100 & no minimum balance.  The following fees, if applicable, will be assessed directly to the account: Paper Statement Fee: $5.00*, Cash Processing (monthly cash totals over $10,000): $0.10/$100.00*, Cash Rolled Coin: $0.15*, Returned Item Fee: $15.00*, Business Foreign Check Processing: $10.00, NSF, OD Limit or Returned overdraft: $20.00/presentment*, Stop Payment: $20.00*, Incoming Wire Transfer: $15.00*, Outgoing Wire Transfer: $25.00*, Foreign Wire Transfer: $50.00*, Official Check Purchase: $7.00, Dormant Fee: $10.00 and Escheatment Fee: $75.00.

*Fees subject to state & local tax.

Commercial Silver Checking

^Business Commercial Silver Package: Minimum opening deposit $100 & no minimum balance. Within the monthly Account analysis statement an earnings credit of 0.40% Rate & APY* will be calculated using the average daily collected balance (minus a 10% reserve requirement). The following fees, if applicable, are assessed against the monthly earnings credit: Business Silver Package: $20.00 (includes ACH Origination or Remote Deposit, ibanking administration and free dual control wires), Paper Statement Fee: $5.00*, Cash Processing (monthly cash totals over $10,000): $0.10/$100.00*, Cash Rolled Coin: $0.15*, Returned Item Fee: $15.00, Business Foreign Check Processing: $10.00, Stop Payment: $20.00*, Incoming Wire Transfer: $15.00*, Outgoing Wire Transfer: $25.00* (free if processing through iBanking & have dual control enabled), Foreign Wire Transfer: $50.00*, Official Check Purchase: $7.00. Negative Collected Balance: Prime + 3.00%.

*Fees subject to state & local tax. APY = Annual Percentage Yield

The following fees, if applicable, will be assessed directly to the account (not the monthly analysis). A NSF, OD Limit Fee or Returned overdraft fee: $20.00/presentment, Dormant Fee: $10.00 and Escheatment Fee: $75.00.  

Commercial Gold Checking

^Business Commercial Gold Package: Minimum opening deposit $100 & no minimum balance. Within the monthly Account analysis statement an earnings credit of 0.40% Rate & APY* will be calculated using the average daily collected balance (minus a 10% reserve requirement). The following fees, if applicable, are assessed against the monthly earnings credit: Business Gold Package: $40.00 (includes ACH Origination, Remote Deposit, ibanking administration, free dual control wires, free incoming wire transfers, and official checks), Paper Statement Fee: $5.00*, Cash Processing (monthly cash totals over $10,000): $0.10/$100.00*, Cash Rolled Coin: $0.15*, Returned Item Fee: $15.00, Business Foreign Check Processing: $10.00, Stop Payment: $20.00*, Outgoing Wire Transfer: $25.00* (free if processing through iBanking & have dual control enabled), Foreign Wire Transfer: $50.00*. Negative Collected Balance: Prime + 3.00%.

*Fees subject to state & local tax. APY = Annual Percentage Yield

The following fees, if applicable, will be assessed directly to the account (not the monthly analysis). A NSF, OD Limit Fee or Returned overdraft fee: $20.00/presentment, Dormant Fee: $10.00 and Escheatment Fee: $75.00.