Deposit Accounts

• Basic Business Checking

  For accounts with no minimum balance requirements and low "per item" fees

  • No Minimum Balance
  • $8 Monthly Maintenance
  • $.19 Per Debit
  • $.12 Per Deposited Item
  • $6 Returned Deposit Item
  • Unlimited Check Writing
  • Sweep Accounts Available
• Paragon Business Checking

  For accounts with higher minimum balance requirements and no "per item" fees

  • $5,000 Minimum to Open
  • No Charge if Balance of $5,000 is kept
  • $20 If Balance of $1,000 - $4,999.99
  • $35 if Balance Falls below $1,000
  • $.25 Per Debit Over 200
  • $6 Returned Deposit Item
  • Sweep Accounts Available
• Business Cents Checking
  MINIMUM BALANCE REQUIREMENTS
  No Minimum balance required and no Monthly maintenance fees.
  
  FEES AND CHARGES
  The following fees and charges may be assessed against your account:

  • Per Debit Fee (If over 60 debit items per statement cycle)...........$0.50
  • Per Credit Fee (If over 40 credit items per statement cycle)...........$0.50

  See Additional Fee Schedule for a list of other fees.
  
  At our discretion, we may change the fees on this account.
  
  TRANSACTION LIMITATIONS
  Account allows 40 credits and 60 debits.
• Public Funds Checking

  For Religious, Philanthropic, Charitable, Educational, Non-Profit Organizations

  • Interest Calculated On Daily Collected Balance, Paid Monthly
  • Monthly Statement
  • $.25 per Debit over 25
  • $6 Returned Deposit Item
• Certificates of Deposit

  For Individuals, Sole Proprietors, Corporations, Municipalities, Non-Profit Organizations

  • $500 Minimum To Open
  • Terms From 7 Days To 36 Months
  • Opening Minimum Balance Must Be Maintained On A Daily Basis To Earn The APY
  • Interest Rate Will Be Paid Until The Maturity Date Specified
  • Early Withdrawal Penalty
• Sweep Accounts

  Accounts May Have a Target Balance Set Up with the Ability to Sweep Funds into Alternative Choices to Earn Interest.

• Business Savings

  Available to Any Client

  • $100.00 Minimum to Open
  • Tiered Interest Rates Based and Calculated on Daily Collected Balance, Paid Monthly
  • No Charge if Balance of $100.00 is Kept
  • $10.00 Fee and No Interest Per Month if Balance Falls Below $100.00
  • Monthly Statement
  • Returned Item Fee $6.00
  • Overdraft Fee $30.00
  • Stop Payment Fee $30.00
  • ATM Card Replacement $5.00
  • Dormant Fee $5.00
• Cash Management Checking
  

  For Individuals, Partnerships, Sole Proprietors, Corporations, Non-Profit Organizations

  • $5,000 Minimum to Open
  • Tiered Interest Rates Based And Calculated On Daily Collected Balance, Paid Monthly
  • no Charge if Balance of $5,000 is kept
  • $10 And No Interest if Balance Falls Below $5,000
  • Six Pre-authorized Withdrawals Per Month (3 may be checks)
  • $6 returned deposit item

Loans

• Commercial Loans
• Real Estate Mortgages
• Professional Lines of Credit
• Leasing Options

Miscellaneous Services

• Drive-up Night Depository

  Our Drive-Thru is Open until 5:30 Week Nights and from 9am-12pm Saturdays.

• Courier Services
  

  Since Convenience is a Concern and Time is Money, We Can Provide Courier Services on a Daily, Weekly or Occasional Basis. Fees Determined by Deposit Balances.

• Direct Deposit
  

  No Need to Make a Special Trip in to Cash Your Paycheck. You Have the Ability to Have Direct Deposit into Your Checking or Savings Account. Your Funds will be Available the Same as if You Cashed it Personally.

• Wire Transfers
  

  Wire Transfer can be Initiated the Same Day We Receive Instructions. There is a 2pm Cut Off Time.

• Telephone Transfers
  

  Too Busy to Come in to Transfer Money, Simply Contact Our Client Service Department and They Can Assist You. Your Receipts Will Promptly Be Mailed to You for Your Records.

• Merchant Services
  

  With Credit Approval You Can Accept Visa Or Mastercard Purchases From Your Clients.

• On-site 24-hour drive-up ATM
  

  No Need to Get out of Your Car to Use the ATM. Simply Drive Up to Our Convenient Drive Up Window and Use the ATM 24 Hours A Day.

• Drive-thru with Extended Hours
  

  Our Drive-Thru is Open until 5:30 Week Nights and from 9am-12pm Saturdays.

All accounts are insured by the Federal Deposit Insurance Corporation