Earlham Bank

Checking

Available with your EBANK Business Checking Account:

  • Online Services: Online Banking, Business Bill Pay, eStatements, Mobile Banking
  • Business Debit Cards
  • Check images with your monthly statement
  • Merchant Processing
  • Remote Capture
  • Payroll & ACH

 

 

Small Business Checking

Transaction Fees
Debit entries (in excess of 30) $0.25¹ each
Credit entries and deposited entries (in excess of 60) $0.20¹ each

Minimum deposit to open the account – $100.00

A $5.00 minimum balance fee will be imposed every statement cycle, if the balance falls below $1,000.00 during any day of the cycle.

Business Analysis Checking

Minimum deposit to open the account – $100.00

Schedule of Charges
Monthly account maintenance $10.00¹
Debit entries $0.20¹
Credit Entries $0.20¹
Deposited items $0.07¹
Accounts with a negative average collected balance will be charged our base lending rate plus 1.00% on these uncollected balances.

Business Analysis Checking Example

Earnings
Average collected balance $150,000.00
Less 10% reserve requirement $15,000.00
Net balance available for investment $135,000.00
Earnings credit² $24.85

 

Activity Charges
Account maintenance $10.00¹
Activity charges - 50 debit entries @ $0.20 $10.00
15 check entries @ $0.20 $3.00
100 checks deposited @ $0.07 $7.00
Activity Charges $30.00

 

Service Charge Summary
Total activity charges $30.00
Less earnings credit $24.85
Net analysis $5.15*
Sales tax $0.31
Total charges $5.45

¹ Fees subject to state and local option sales tax.


² Earnings credit computed on the average 91-Day Treasury bill Auction Rate from the last auction of the previous month, as found in the Wall Street Journal. This example was computed at 0.224% per annum using a 30-day month.

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