For any business that has more than 250 transactions per statement cycle.

• No minimum balance
• This account is on analysis calculated by:
  • Activity Fee: $.12 per debit/check

                                $.06 per credit/deposit item

• Earnings Credit: The earnings credit is calculated based on Bank of the Valley’s 3 month certificate of deposit rate on the average daily balance in the account.
• The monthly maintenance fee will be the difference between the activity fee and the earnings credit. When your earnings credit exceeds your activity fee there is no charge for the statement cycle.

For sole proprietors and small businesses that have minimal monthly transactions.

• Minimum Balance $500
• Monthly Activity Limits 250 transactions per month. A transaction is a check, debit, credit or deposit. If 250 transactions are exceeded each transaction after will be assessed $.25 per item.
• Service Charge $7 if balance falls below minimum. The service charge is waived if account is on eStatement.

Specifically for non-profit community organizations and associations.

• Images of your Checks and Deposits returned with your monthly statement.
• Unlimited Activity.
• No charge for debits or credits to the account.