Business Banking

   
  Designed for Customers who

     • Want a traditional passbook account for watching their savings grow

  Standard Features

     • Open an account with as little as $100
     • Statements are sent on a calendar quarter
     • Compounded daily collected balance method is used to calculate interest
       to be credited on last day of calendar quarter
     • Avoid service charge of $3 with a daily minimum collected balance of $500 
       during the quarter

  Limitations

     • Federal regulations limit total transactions to no more than six pre-authorized
       withdrawals, automatic transfers, and telephone transfers per month. If more
       than six transactions are made during the month, a charge of $10 per
       transaction over the limit will be assessed


  Business Checking   Interest Checking   Business Analysis Checking
  
  Designed for Customers who

     • Have low activity and 
       minimal currency and coin
       volume

  Standard Features

     • Open an account of only
       $100
     • Unlimited check writing
     • No charge for deposits
       and checks written         
     • Avoid service charge of 
       $10 with a minimum daily 
       collected balance of $4000
     • If activity becomes high,
       the account may, with prior
       notice, be converted to an 
       Business Analysis 
       Checking Account

 
  Designed for Customers who

     • Want to earn interest on
       their checking account with
       unlimited check writing

  Standard Features

     • Open an account of only
       $100
     • Unlimited check writing
     • Avoid service charge of  
       $10 with a minimum daily 
       collected balance of $4000
     • Simple daily collected
       balance method is used to
       calculate interest to be 
       credited on last day of 
       statement cycle
     • This account is ONLY
       available to sole pro-
       prietorships

 
 Designed for Customers who

     • Have a high volume of 
       checks and who regularly
       use more of our services

  
Standard Features

     • Open an account of only
       $100
     • Unlimited check writing
     • Earnings allowance may
       offset total service charges
       for the month depending
       on the average collected
       balance and earning allo-
       wance rate
     • $15 plus charges for actual
       services used according to
       our "Miscellaneous Fees 
       and "Charges" brochure.
       Charges are reduced by
       any earnings allowance
       based upon the net funds
       available

 

   
  Designed for Customers who

     • Want to place surplus funds in a higher yielding interest bearing account    

  Standard Features

     • Allow businesses to earn an attractive interest rate on deposits, yet have the
       flexibility of limited check writing 
     • Canceled checks are enclosed with your monthly statement
     • Avoid service charge of $10 with a daily collected balance of $2500 
     • Bank designed checks printed with your name and address at no charge
     • Simple daily collected balance method is used to calculate interest to be
       credited on last day of statement cycle

  Limitations

     • Federal regulations limit total transactions to no more than six pre-authorized
       withdrawals, automatic transfers, and telephone transfers per statement cycle. 
       Checks paid over limit, six
 per statement cycle, will be charged $10 per check.



  Designed for Customers who

     • Want to place a specified amount of money on deposit for a definite amount
       of time at a guaranteed rate

  Standard Features

     • Open a CD account with as little as $1000
     • Terms can range from seven days to two years
     • CDs are insured by the FDIC up to the maximum allowed by law
     • Penalties may apply for early withdrawal

 

 


  Designed for Customers who

     • Want to eliminate the need for checks to be transported to the bank

  Standard Features

     • Extend deadlines for same day posting of deposits to 6:00PM
     • Reduce transportation time and processing costs
     

 

 Cash Management  Use Online Banking to manage funds in your
 accounts with security, ease, and convenience
 Bill Pay  Pay your bills electronically via the Internet
 Courier Deposit Pick Up  Non-cash deposit pick up - not available at all
 branches
 Payroll Services  Through payroll company of your choice
 Direct Deposit Service

 Automatic deposit of your employees' paychecks
 to an account at Liberty Bank or another 
 financial institution. If maintained at Liberty
 Bank, the employee's checking account will be
 free of monthly maintenance fee

 Wire Transfers  Domestic or International
 Bank Card Deposits  All major merchant card deposits
 Night Depository  Provides a safe place to make deposits after
 banking hours
 Merchant Teller Booths  Provides privacy for our business customers