Business Checking Features No minimum to open the account Earns a credit based on average collected balances that is applied to reduce fees No minimum balance ATM card available ($1.00 charge per card per statement cycle) Internet banking available Benefits May avoid service charges if a sufficient balance is maintained ATM card provides convenient 24 hour access to account at many locations Service Charges:  $3.00 (per month) Check Charges:  $.15 per debit Deposit Charges:  $.08 per check deposited drawn on an out of town bank Earnings Credit:  Calculated by applying the NOW account rate to the average collected balance for the monthly statement cycle.