Business Checking Accounts Product Comparison

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Business Checking Accounts special

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Product Comparison
As of February 1, 2005

	Business Checking	Small Business Checking	NOW Account	Super NOW Account	Platinum Account
Minimum Balance to Avoid Monthly Maintenance Fee & Activity Fees	N/A-To offset fees below, credit of $.15 per $100 of average "collected" balance is applied	N/A	$525 each day of the statement cycle	$2,500 average for the statement cycle	$2,500 average for the statement cycle
Monthly Maintenance Fee	$6.00	N/A	$5.25	$5.25	$10.00
Activity Fees	$.20 per check posted $.25 per deposit made $.10 per ACH debit posted $.10 per debit transfer $.08 per transit check deposited	First 200 items (checks/ACH debits/debit transfers posted, deposits made, and transit checks deposited) each month free. After 200 free items each month, $.25 per item for each additional item.	Up to 25 checks - no charge. Over 25 checks - $.25 each (regardless of balance).	Up to 25 checks - no charge. Over 25 checks - $.25 each (regardless of balance).	N/A
Other Fees	$25 NSF/OD fee per item. $5 fee for deposited item returned NSF. Continuous OD fee (after 5 days) $2 per day.	$25 NSF/OD fee per item. $5 fee for deposited item returned NSF. Continuous OD fee (after 5 days) $2 per day.	$25 NSF/OD fee per item. $5 fee for deposited item returned NSF. Continuous OD fee (after 5 days) $2 per day.	$25 NSF/OD fee per item. $5 fee for deposited item returned NSF. Continuous OD fee (after 5 days) $2 per day.	$25 NSF/OD fee per item. $5 fee for deposited item returned NSF. Continuous OD fee (after 5 days) $2 per day.
Free images of paid checks and deposit slips	YES	YES	YES	YES	YES
	Business Checking	Small Business Checking	NOW Account	Super NOW Account	Platinum Account
Interest Paid on Account	N/A	N/A	Variable rate, bank-determined. No interest on days when balance falls below $525.	Variable rate, bank-determined. (Usually higher than NOW rate). NOW rate paid on days balance < $2,500. No interest paid on days balance < $525.	Variable rate, bank-determined. (Usually higher than Super NOW rate). NOW rate paid on days balance < $2,500. No interest paid on days balance < $525.
Minimum Balance to Open Account	$50	$50	$50	$50	$50
Eligible Businesses and Organizations	No restrictions.	No restrictions.	Farm, sole proprietorship, governmental entity and personal customers. Not available to LLC's, partnerships or corporations.	Farm, sole proprietorship, governmental entity and personal customers. Not available to LLC's, partnerships or corporations.	No restrictions.
Other Account Features	N/A	N/A	N/A	N/A	Up to 3 checks may be written per month, and a total of 6 withdrawals/transfers may be made from the account each month.
	Business Checking	Small Business Checking	NOW Account	Super NOW Account	Platinum Account

Applicable to all Business Checking Accounts:

Monthly Statements.
Night deposit service available free. Deposits may be made in an envelope, zipper bag, or lock bag.
SSBBank ATM cards and ATM transactions at SSBBank ATMs are FREE. $1.00 fee for making a withdrawal, transfer, or balance inquiry at another institution's ATM. (No fee for making a deposit in another institution's ATM.)