

| Account Type | Balance to Earn Interest* | Balance to Avoid Minimum Balance Fee** | Monthly Minimum Balance Fee | Online Banking | ATM/Debit Card | |
|---|---|---|---|---|---|---|
| Focus Checking | More» | N/A | $5,000 | $10 | Yes | Yes |
Focus CheckingFocus Checking is an economical solution for our small business customers or a perfect secondary account. With Focus Checking, you receive 150 checks paid and 50 deposits processed during each statement cycle. A $0.50 per item fee will be assessed on checks paid and deposits processed in excess of the monthly minimum. Additionally, a minimum balance of $5,000 is required or $10,000 in a combined checking and savings account is necessary in order to avoid a monthly minimum balance fee of $10.00. All fees will be waived if the minimum balance requirements are maintained. Please note: If the required account balance is not met, then you will still receive 150 checks paid and 50 deposits processed before a per item fee is accessed. | ||||||
| Focus Preferred Checking | More» | N/A | $10,000 | $15 | Yes | Yes |
Focus Preferred CheckingWith a Focus Preferred Checking account, you can write up to 250 checks and make 75 deposits during each statement cycle without incurring any fees. A $0.50 per item fee will be assessed on checks paid and deposits processed in excess of the monthly minimum. Additionally, a minimum balance of $10,000 is required or $25,000 in a combined checking and savings account is necessary in order to avoid a monthly minimum balance fee of $15.00. All fees will be waived if the minimum balance requirements are maintained. Please note: If the required account balance is not met, then you will still receive 250 checks paid and 75 deposits processed before a per item fee is accessed. | ||||||
| Focus Premium Checking | More» | N/A | N/A | N/A | Yes | Yes |
Focus Premium CheckingWith a Focus Premium Checking account, business customers can minimize or completely eliminate monthly service fees with an earnings credit applied to your account. This account offers no transaction limitations. | ||||||
| Focus NOW Checking | More» | $750 | $750 | $10 | Yes | Yes |
Focus NOW CheckingFocus NOW Checking is available for sole proprietorships. This account earns a market interest rate and there is no minimum balance fee if you maintain a $750 minimum balance. If you close your account before interest is credited, you will not receive the accrued interest. | ||||||
| Community Premium Checking | More» | N/A | N/A | N/A | Yes | Yes |
Community Premium CheckingWith our Community Premium Checking, not-for-profit customers can minimize or completely eliminate monthly service fees with an earnings credit applied to your account. This account offers no transaction limitations. | ||||||
| Municipal Premium Checking | More» | N/A | N/A | N/A | Yes | Yes |
Municipal Premium CheckingWith our Municipal Premium Checking, municipal customers can minimize or completely eliminate monthly service fees with an earnings credit applied to your account. This account offers no transaction limitations. | ||||||