Business CheckingBusiness Checking

Small Business Checking Account

  • No minimum opening balance required
  • The monthly maintenance charge is waived for the first year. After the first year, a $10.00 maintenance charge will be assessed for average daily balances below $1500.00
  • The first 100 items each month are free of charge (checks, deposits and checks deposited)
  • The account holder is eligible for Business Select, a Personal Checking Account with no monthly maintenance charge offered only to individuals who open and maintain a Business Checking Account
  • Free online banking
  • Free business debit card
  • Free first book of checks
  • Check Loan for overdraft protection (if qualified)
  • Merchant Services (if qualified)

Business Checking Account

  • No minimum opening balance required
  • There is a monthly maintenance charge and a per item charge (checks, deposits and checks deposited)
  • An earnings credit on the average daily balance will be applied to reduce or eliminate charges
  • The account holder is eligible for Business Select, a Personal Checking Account with no monthly maintenance charge offered only to individuals who open and maintain a Business Checking Account
  • Free online banking
  • Free business debit card
  • Free first book of checks
  • Check Loan for overdraft protection (if qualified)
  • Merchant Services (if qualified)

Super NOW Account

  • No minimum opening balance required
  • This is an interest bearing checking account
  • If the daily balance falls below $2,500.00 during the month, a $15.00 maintenance charge is assessed at statement date
  • Free online banking

IOLA

  • No minimum opening balance required
  • An IOLA is for Lawyer's escrow money only
  • A maintenance charge of $10.00 is deducted from the interest earned before remittance to New York State on a monthly basis

Not for Profit Checking Account

  • Not for Profit Checking Accounts are for but not limited to: religious groups, Girl/Boy Scouts, libraries and various non profit organizations
  • There is no minimum balance required
  • No monthly maintenance charge
  • No per check charge
  • A credit for checkbook charges will be refunded, not to exceed $25.00