Small Business Account Fee Schedule
Effective October 1, 2024
Small Business Checking
No minimum balance required
Analyzed Business Checking
- $10,000 minimum average collected monthly balance - No Account Maintenance Service Charge.
- Below minimum average collected monthly balance - $15 Account Maintenance Service Charge
| Basic Transactions | Small Business Checking (First 125 free) | Analyzed Business Checking (First 300 free) |
|---|---|---|
| Basic transactions1 (Per item over limit) | Basic Transactions over 125 (each) $ 0.50 | Basic Transactions over 300 (each) $ 0.50 |
| Account Services | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| Negative Collected Balance (Average daily per month) | No Charge | Prime + 3.00% |
| Duplicate Statement (Monthly per account) | $ 3.00 | $ 3.00 |
| Deposit by Armored Car (Per deposit) | $ 5.00 | $ 5.00 |
| Mail Deposit (Per deposit) | No Charge | $ 5.00 |
| Mail Deposit Item (Per item) | No Charge | $ 0.50 |
| Night Deposit Processing Fee (Per deposit) | $ 2.00 | $ 2.00 |
| Canadian Check Collection (Per item) | $ 25.00 | $ 25.00 |
| Deposited Item Returned Unpaid2 (Per item) | $ 10.00 | $ 10.00 |
| Stop Payment (Per item) | $ 30.00 | $ 35.00 |
| Stop Payment entered online (Per item) | $ 30.00 | $ 25.00 |
| Foreign Check Collection3 (Per item) | $ 40.00 | $ 40.00 |
| Wire Services | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| Domestic - Incoming (Per item) | $ 15.00 | $ 15.00 |
| Domestic - Outgoing (Per item) | $ 30.00 | $ 30.00 |
| Domestic - Outgoing, Phone (Per item) | $ 30.00 | $ 40.00 |
| Domestic - Outgoing, Online Banking(Per item) | $ 15.00 | $ 15.00 |
| International - Incoming6 (Per item) | $ 15.00 | $ 15.00 |
| International - Outgoing6 (Per item) | $ 40.00 | $ 40.00 |
| International - Outgoing, Phone6 | $ 40.00 | $ 50.00 |
| International - Outgoing, Online Banking6 (Per item) | $ 35.00 | $ 35.00 |
| ACH Services | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| ACH Block (Monthly per account) | $ 10.00 | $ 10.00 |
| ACH EDI Detail Notification (Monthly per account) | $ 25.00 | $ 25.00 |
| Online Services | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| Business Online Banking (Per Company ID) | No Charge | No Charge |
| Bill Pay Rush Delivery (overnight) Payment by ACH (Per item) | $ 7.00 | $ 7.00 |
| Bill Pay Rush Delivery (overnight) Payment by Check (Per item) | $ 30.00 | $ 30.00 |
| Other Business Services | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| Insufficient Funds (NSF) / Uncollected Funds (UCF) and EFT and Debit Card Overdraft4 (Per instance) | $ 40.00 | $ 40.00 |
| Research 5 (including statement copies) (Per hour) | $ 40.00 | $ 40.00 |
| Copy of Any Document (Per item) | $ 3.00 | $ 3.00 |
| Money Order (Per item) | $ 4.00 | $ 4.00 |
| Treasurers Check (Per item) | $ 6.00 | $ 6.00 |
| Domestic Check Collection (Per item) | $ 30.00 | $ 30.00 |
| Garnishment and Levy Processing (Per item) | $ 75.00 | $ 75.00 |
| Courier Fee 5 (Per request) | Varies | Varies |
| Night Deposit Key Replacement (Per key) | $ 5.00 | $ 5.00 |
| Notary Public Service (Per request) | No Charge | No Charge |
| Business Debit Cards | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| Transaction at CSB ATMs (Per item) | No Charge | No Charge |
| Transaction at All Other ATMs Withdrawals/Balance Inquiries (surcharges by other banks may also apply) (Per item) | $ 1.50 | $ 1.50 |
| Re-issued Card: Expedited Mail (domestic) (Per card) | $ 25.00 | $ 25.00 |
| Re-issued Card: Expedited Mail (international) (Per card + shipping) | $ 25.00 | $ 25.00 |
| International ATM & Point of Sale (POS) Transactions Per item | 0.75% | 0.75% |
| Interest-Bearing Accounts | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| Small Business Money Market, Below $1,000 Minimum Average Monthly Balance (Monthly) | $ 10.00 | $ 10.00 |
| Overdraft Protection from Small Business Money Market (Per day) | $ 10.00 | $ 10.00 |
| Money Market Excess Transactions (Limit of 6 withdrawals per month) (Per item) | $ 10.00 | $ 10.00 |
| Retirement Accounts | Small Business Checking | Analyzed Business Checking |
|---|---|---|
| SEP Plan Annual Fee (Annually per plan) | $ 25.00 | $ 25.00 |
| SIMPLE Plan Annual Fee (Annually per plan) | $ 25.00 | $ 25.00 |
| Trustee Transfers Per Transfer (Per item) | $ 30.00 | $ 30.00 |
| Expedited Mail Transfer (Per item) | $ 30.00 | $ 30.00 |
| Wire Transfer (Per item) | See Wire Fees Above | See Wire Fees Above |
Analyzed Business Checking Accounts earn a monthly Earnings Credit that may offset some or all service charges for the month. The average collected balance is used to calculate the earnings credit and the earnings credit rate is variable. See the Understanding Your Deposit Account Handbook for Business Accounts for more information. 1Basic Transaction is any combination of deposits, items deposited, checks paid, account transfers, ACH credits and ACH debits. 2If a deposited item that has been previously returned unpaid is presented an additional time for payment it will be subject to additional fees if returned again. 3You may be assessed additional Foreign Check Collection fees by the sending bank. 4You may be assessed additional NSF or uncollected funds fees for the same item if the sending bank or merchant requests that the item be represented for payment. 5Fees will be disclosed prior to charge. 6International wires may be subject to additional service charges.