Checking

A Business Checking Account may be cycled to meet your business needs. A per item fee of $.11 will be charged for each debit transaction. We will lower your service charge fees by $.10 for each $100.00 of average daily collected balance held on deposit monthly. This credit cannot exceed the check charges. The service charge will include a maintenance fee of $1.00 per monthly statement cycle. (Other limitations and charges may apply.) Deposits to all checking and savings accounts may be made the following ways: At the main bank, the drive-up facility, Bank-by-mail, Night Depository, Direct Deposit, and by phone. Deposits are also able to be accepted at the Niobrara LPO ATM as well as the Bloomfield LPO ITM/ATM.

For your convenience, we print our business checks right here at the bank. If you are able to give us a logo for your business, we can put those on your checks for you. You can also put your business logo on your debit card with our personalized debit cards. Click here to personalize your card!

The Business Treasury Savings Account is a variable rate tiered account. You must maintain a minimum balance of $5,000.00 in the account to obtain the disclosed annual percentage yield. If your account drops below $5,000.00, you will receive the interest rate applicable to the regular Passbook savings account.

Check Rates

At our discretion we may change the interest rate on your account. The rates for each tier will be set each Wednesday. The interest rate increases with each tier. Tiers will be determined as follows:

• Tier One: Your daily balance is greater than zero, but less than $5,000.00
  
• Tier Two: Your daily balance is equal to or greater than $5,000.00, but less than $25,000.00
  
• Tier Three: Your daily balance is equal to or greater than $25,000.00 but less than $100,000.00 
  
• Tier Four: Your daily balance is equal to or greater than $100,000.00 but less than $250,000.00
• Tier Five:  Your daily balance is equal to or greater than $250,000.00 but less than $500,000.00
• Tier Six:  Your daily balance is equal to or greater than $500,000.00

Compounding/crediting frequency: Interest will be compounded/credited every monthly statement cycle. 

Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest. 

A service charge of $1.00 for maintenance fees will be charged per monthly statement cycle. Transactions are limited to four (4) free withdrawals per statement cycle. A per item fee of $6.00 will be charged for each additional transaction. Transactions may not exceed six withdrawals from your account every monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties.