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Analysis Business Checking |
Business NOW Account |
BusinessSelect NOW Account2 |
BusinessFree Checking |
Small Business Benefit Checking |
Money Management |
Non-Profit Checking |
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Suited for businesses with a high volume of activity, this account will give you a comprehensive look at your account each month with the added value of an earnings credit that is based on collected funds.
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An interest-earning account designed for Sole Proprietors, Non-Profit Organizations, and other eligible entities that want to take advantage of unlimited FDIC coverage.
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A competitive interest-earning account structured like the Business NOW account, with the potential for higher rates of return.
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For businesses who are looking for a simplified checking account that offers no monthly service charge, and 150 free items per month (debits, checks deposited, deposits made). A fee will be assessed for items over the minimums.
e-Statements are provided.
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For businesses who are looking for a checking account that can save them money by maintaining a set balance, and the added value of 250 free items per month (debits, checks deposited, deposits made). A fee will be assessed for items over the minimums.
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With the ease of check-writing access to your money, and high rates of return, you can manage your money wisely, based on the balances in the account.
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The Non-Profit Checking account, designed for non-profit organizations who operate as charitable, educational, religious or similar entity with a 501-C status, works the same way as the BusinessFree Checking product but with a lower per item fee charge.
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Minimum Opening Deposit |
$100
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$100
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$100
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$100
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$100 |
$100
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$100
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Monthly Service Charge |
$10 |
$10
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$10
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Free
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- $5,000 Minimum
Balance & Over
- No Charge -
- Under $5,000
Minimum Balance
- $10 Per Month -
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- $1,000 Minimum
Balance & Over
- No Charge -
- Under $1,000
Minimum Balance
- $10 Per Month -
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Free
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| Item Charges |
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| Debits |
$0.15 |
$0.15 |
$0.15 |
First 150 Items
FREE
$.50 per item over the FREE minimum |
First 250 items
FREE
$.25 per item over the FREE minimum |
Preauthorized, automatic or telephonic transfers are limited to 6 per month.
Fee of $10 per item for excessive withdrawals. |
First 150 Items
FREE
$.15 per item over the FREE minimum. |
| Checks Deposited |
$0.12 |
$0.12 |
$0.12 |
| Deposits Made |
$0.15 |
$0.15 |
$0.15 |
| Returned Deposited Items |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
$4.00 |
Earnings Credit
Calculated on collected funds. |
Yes |
Yes |
Yes |
N/A |
N/A |
N/A |
N/A |
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Interest Bearing |
No
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Minimum balance to earn interest is $1,000.
Interest rates will not exceed 0.50%.1 |
Minimum balance to earn interest is $1,000.
Potential for interest rate to exceed 0.50% based on the balances in the account. |
No |
No |
| $ |
0 |
- |
$ |
9,999.99 |
| $ |
10,000 |
- |
$ |
24,999.99 |
| $ |
25,000 |
- |
$ |
49,999.99 |
| $ |
50,000 |
- |
$ |
99,999.99 |
| $ |
100,000 |
- |
$ |
249,999.99 |
| $ |
250,000 |
+ |
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No
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Check SafeKeeping |
Free
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Free
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Free
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Free
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Free
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Free
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Free
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EasyCheck Imaging |
Free |
Free
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Free |
Free
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Free |
N/A |
N/A |
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Additional Benefits |
24-Hour TeleBanc
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24-Hour TeleBanc
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24-Hour TeleBanc
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24-Hour TeleBanc
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24-Hour TeleBanc
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24-Hour TeleBanc
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24-Hour TeleBanc
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1 As a participant in the Transaction Account Guarantee Program, your non-interest bearing transaction accounts and interest bearing accounts that earn 0.50% interest or less with American National Bank now have unlimited FDIC deposit insurance coverage. This insurance is in addition to the
FDIC's normal deposit insurance coverage of $250,000 available through June 30, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
2 Product available through June 30, 2010, unless the FDIC extends the Transaction Account Guarantee Program.
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