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Stroud National Bank

Checking

Account Type More Info Minimum Balance to Open Minimum Balance Requirement Monthly Service Charges Interest Bearing
Small Business Checking More>> $100 None $.25 per item over 100 items No
Commercial Checking More>> $100 None $6.00 may be offset by earnings credit No
Commercial investment Checking More>> $100 $1,000.00 $7.50 if balance requirements are not met Yes
Corporate Money Market Account More>> $500 $2,500.00 $10.00 if balance requireements are not met Yes

Small Business Checking

This account is a great place to start if you have fewer than 100 items per month.  An item is defined as each deposit, deposited item, check, or paper draft.

Benefits and Features:
  • Only $100 required to open account
  • No monthly maintenance fees
  • 100 free items per month
  • $.25 per item thereafter
  • Deposits insured by FDIC

Commercial Checking

Commercial Checking is designed for businesses with higher monthly account balances and transaction volume.  You can offset all or part of your account’s monthly service charges with a monthly Earnings Allowance on your account balances.  Earnings Allowance applies to your collected balance.  A service charge is imposed when the cost of your monthly activity exceeds the Earnings Allowance during the month.

Benefits and Features:
  • Only $100 required to open account
  • Provides additional services businesses require (coin, currency, large deposit handling, etc.)
  • $6.00 maintenance fee (may be offset with an Earnings Credit based on the average COLLECTED BALANCE at the 90 day T-bill rate)
  • $.10 per check written (may be offset with an Earnings Credit based on the average COLLECTED BALANCE at the 90 day T-Bill rate)
  • No charge for deposits or “Deposited On Us” items
  • $.075 per item charge for deposited items from other banks
  • Deposits insured by FDIC

Commercial Investment Checking

An interest earning business checking account for Sole Proprietors and Non Profit Organizations, and Governmental Entities.

This account is not available to “for profit” corporations.

Benefits and Features:
  • Only $100 required to open account
  • Minimum daily balance of $500 required to earn interest on deposits
  • Minimum daily balance of $1,000 required to avoid $7.50 maintenance charge
  • Minimum daily balance of $1,000 required to avoid $.10 per check charge
  • Deposits insured by FDIC
  • Interest Bearing

Corporate Money Market Account

An interest earning account that offers competitive interest rates for businesses.

Benefits and Features:
  • Only $500 required to open account
  • Six monthly withdrawals allowed; three may be by check
  • $10.00 charge for each withdrawal in excess of the above limits
  • Minimum daily balance of $2,500 required to avoid $10.00 maintenance fee
  • Deposits insured by FDIC
  • Minimum daily balance of $1,000.00 required to earn interest on deposits
  • Interest Bearing