|ACCOUNT FEATURES||SMALL BUSINESS||COMMERCIAL BUSINESS||BUSINESS INTEREST||BUSINESS MONEY MARKET|
|Business Entity Requirement?||Any||Any||Any||Any|
|How to Get Account?||Open account online||Open account in person||Open account in person||Open account online|
|Check Images Returned?||Yes||Yes||Yes||Yes|
|Earns Interest?||No||Earns Credit✝||When balance exceeds $5,000||When balance exceeds $500|
|Bill Pay?||Free with E-Statements||Free with E-Statements||Free with E-Statements||No, but sign up for E-Statements anyway|
|Earns credits✝ to offset maintenance and activity fees?||No||Yes, credits✝ may offset fees below||No||No|
|Monthly Service Charge?||$0||$5||$8 if balance falls below $5,000||$8 if balance falls below $2500|
|Coin & Cash Services?*||$20K then $4 per thousand||Unlimited except for MSB's**||Unlimited except for MSB's**||N/A|
|Check or Debit per item:||500 Free, then 25¢ each||10¢||100 Free, then 4¢ each||See Business Money Market comments|
|Deposit or Credit per item:||Counts toward 500 free listed above||4¢||Counts toward 100 free listed above||Unlimited|
*Cash & Coin Services: Coin wrapped, cash strapped for free with a typical Commercial Business Checking account. Special rates apply for cash-intensive businesses, such as check cashers. Coin wrapping available only at Cedar City and Kanab offices.
**MSB = Money service business, such as one that cashes checks for customers.
Two-Signatures Required: Any two-signatures required account is subject to a $10 service fee if the account balance falls below $1,000 any time during the monthly cycle.
✝The earnings credit is calculated at 1% (annual rate) of the average monthly collected balance. The credit is used to offset maintenance and per-item fees and applies only to the month it is earned.