Commercial Checking

For corporate businesses with high monthly transaction activity, this account allows you to benefit from an Earnings Credit Rate to offset your expenses.

Required Opening Balance	$250
Monthly Service Charges	$10
Items Charge	An items charge of $.12 will be assessed for each deposit or debit items.
Coin and Currency Charge	A coin and currency charge of $.10 will be assessed for each $100 for withdrawn or deposited.
Earnings Credit	The charges will be offset by an earnings credit. The earnings credit will be calculated by applying the 90-Day Treasury Bill rate at the beginning of the month to the average daily balance in the account for the statement cycle.
Overdraft Protection	Transfers can be made from your checking, savings or line of credit to avoid overdraft.
Benefits	FREE Unlimited Teller Access FREE Online Banking with Bill Pay FREE Notary Services FREE Business Debit Card FREE Night Depository FREE Monthly Imaged Statement Merchant Services Available Wire transfer service Available Commercial Deposit Courier Service Available

For more information please call a customer representative at 863-648-2265 (Lakeland) or 863-519-0101 (Bartow).

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. The coverage includes Interest on Lawyer Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.