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BUSINESS CHECKING ACCOUNT DISCLOSURE

MINIMUM BALANCE REQUIREMENT
An initial deposit of $100 is needed to open a business account.

TRANSACTION LIMITATIONS
Checks made payable to the business must be deposited into the account for the entire amount.  Providing funds are available, a withdrawal may be transacted by cash or check. 

FEES AND CHARGES
If the balance falls below $500.00 during a monthly statement cycle, a service charge may be assessed.* Please refer to the separate fee schedule for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Professional Checking (Interest-bearing Business Checking)
For sole-proprietors, estates, trusts with EIN’s, government entities, and non-profit organizations:  Interest is earned when balance is $1,000 or more. See current rate schedule.

Corporate Checking (Non-interest bearing Business Checking)
For Corporations, LLCs and Partnerships.

RATE INFORMATION
Interest Rate and Annual Percentage Yield may change without notice.  Interest on deposits begins to accrue on the day of the deposit.  Interest will be credited and compounded to the account monthly on the last day of the month.  See current rate schedule for interest rate and annual percentage yield.

BALANCE COMPUTATION METHOD
We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

DORMANT/INACTIVE ACCOUNT INFORMATION
A dormant account fee may be charged after 3 years of inactivity. Unclaimed Funds- In the event the account remains inactive for a period of 5 years, the monies deposited in such account may become “Unclaimed Funds” as provided in the Ohio Revised Code.

*EARNINGS CREDIT
A credit is earned and applied against minimum balance service charges for the month’s cycle.  Positive earnings credits do not carry over from month to month.