Business Banking

BUSINESS BANKING ACCOUNTS
SMALL BUSINESS CHECKING
COMMERCIAL CHEKING
NOW BUSINESS CHECKING
Designed For: Businesses with Low to Moderate Transaction Volume Corporations and Businesses with High Transaction Volume A NOW account for individuals, joint account holders, sole proprietorships and non-profit organizations seeking an interest bearing checking account
Internet Banking
Visa Business Debit Card
ATM Deposits (1)
Unlimited Bill Pay (2)
24-Hour Phone Banking
e-Statement (3)
LSNB Mobile™ (4)
Night Depository Services
ACH Origination (5)
Positive Pay (5)
Merchant Card Services (5)
Account Reconciliation (5)
CD-ROM Statement (5)
Account Analysis (6) N/A N/A
Minimum Initial Deposit $300 $1,000 $100
Minimum Balance Required (7) Montly Service Fee Aplies Account Analysis Service Fees Aply $1,200
Monthly Service Fee $7.50 if Daily Balance is $1,500 and Above. $10.00 if Daily Balance is Below $1,500. Account Analysis Service Fees Apply 6 Maintenance Fee $10.00 No Monthly Service Fee if Daily Balance is $1,200 and Above. $15 if Daily Balance is Below $1,200.
Interest Bearing N/A N/A Yes, if Daily Collected Balance is $1,200 and Above.
Statement Cycle Monthly Truncated Statement Monthly Imaged Statement Monthly Imaged Statement
Transaction Limitations 400 items FREE per statement cycle. Excess Items are $.12 each. Items include Debits and Credits. (8) $.12 Per Item Fee. Items include Debits and Credits. 200 items FREE per statement cycle. Excess Items are $.12 each. Items include Debits and Credits.

Service available. Certain conditions apply.
(1) ATM or Visa® Debit card monthly fee of $1.00. In the case of multiple ATM or Visa® Debit cards linked to a single account, a maximum of $2.00 per account, per month will be charged. ATM or Visa® Debit cards are available upon request. (2) Free Unlimited Bill Pay through Internet Banking. (3) Must be a current Internet Banking customer. Select the option to receive your e-Statement by registering through Internet Banking. (4) You will be charged access rates by your carrier. Web access is needed to use LSNB Mobile™. Check with your service provider for details on specific fees and charges. Must be a current Internet Banking customer. Enroll in mobile banking through Internet Banking. (5) Cash Management services such as ACH Origination, Positive Pay, Merchant Card Services, Account Reconciliation and CD-ROM Statements are available for business checking accounts. Certain fees and conditions apply. (6) Account analysis is used to determine the monthly fee for a Commercial Checking Account. Account analysis is a method used to compensate commercial accounts for collected balances in the form of a monthly earnings credit. The earning credit is used to reduce or eliminate account fees. The earnings credit is calculated based on the 90 day Treasury Bills as posted in the Wall Street Journal plus .25 basis points. The earnings credit rate is a variable rate that may change at our discretion as often as daily. (7) Minimum balance required to avoid monthly service fee. (8) Should your account exceed the 400 items FREE per statement cycle for three consecutive months, the bank has the discretion of converting your Small Business Checking account to a Commercial Checking.
Other account and service fee may apply. Piease refer to our Depository Agreement for further information.

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