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Commercial Checking and Savings

eBusiness Checking
eBusiness Checking is designed for businesses who have low to moderate transactions each month and enjoy the convenience of having a one stop shop for all of their personal and business banking needs.
  • No monthly service charge with eStatements1
  • Make up to 25 debits and 100 items deposited per statement cycle (each additional debit/deposit item 25¢)2
  • Up to $5,000 of currency deposited/furnished per month2
  • $500 minimum opening balance required
  • Overdraft Privilege available
  • Free Online Banking and Bill Pay available*

Fees

1$5 fee for paper statements.

2Accounts with transaction items or cash handling needs which exceed account limits may be reviewed and converted to Business Checking Plus or Account Analysis. All coin furnished or deposited is subject to Cash Handling fees. See Schedule of Fees.

 


Business Checking
Business Checking is designed for businesses with moderate transaction needs.
  • Make up to 100 debits and 200 items deposited per statement cycle (each additional debit/deposit item 25¢)1
  • Up to $10,000 of currency deposited/furnished per month1
  • $15 monthly service charge if minimum daily balance falls below $5,000
  • $500 minimum opening balance required
  • Overdraft Privilege available
  • Free Online Banking and Bill Pay available*

Fees

1Accounts with transaction items or cash handling needs which exceed account limits may be reviewed and converted to Business Checking Plus or Account Analysis. All coin furnished or deposited is subject to Cash Handling fees. See Schedule of Fees.

 


Business Checking Plus
Business Checking Plus is designed for businesses with moderate to high transaction needs.
  • Make up to 200 debits and 300 items deposited, plus 25 deposit tickets per statement cycle (each additional debit/deposit item 25¢ and additional deposit ticket $1)1
  • Up to $20,000 of currency deposited/furnished per month1
  • $20 monthly service charge if average daily
    balance drops below $10,000 or $25,000 combined average daily balance
  • $500 minimum opening balance required
  • Overdraft Privilege available
  • Free Online Banking and Bill Pay available*

Fees

1Accounts with transaction items or cash handling needs which exceed account limits may be reviewed and converted to Account Analysis. All coin furnished or deposited is subject to Cash Handling fees. See Schedule of Fees.


Interest Business Checking
Interest Business Checking is designed for businesses with moderate transaction needs and the desire to earn interest on the balances they carry.
  • Interest bearing
  • Make up to 100 debits and 200 items deposited per statement cycle (each additional debit/deposit item 25¢)1
  • Up to $10,000 of currency deposited/furnished per month1
  • $15 monthly service charge if minimum daily balance falls below $5,000
  • $500 minimum opening balance required
  • $5,000 balance required to earn interest
  • Overdraft Privilege available
  • Free Online Banking and Bill Pay available*

Rates & Fees

1Accounts with transaction items or cash handling needs which exceed account limits may be reviewed and converted to Business Checking Plus or Account Analysis. All coin furnished or deposited is subject to Cash Handling fees. See Schedule of Fees.

 


Account Analysis
Account Analysis is designed for the larger business with high transaction volume. It is ideally suited for businesses that prefer a comprehensive business-checking program because it enables the business to reduce monthly service fees with offsetting deposit balances. The more business you do with Oak Valley & Eastern Sierra, the greater the benefits you will receive from Account Analysis.

Account Analysis combines the total cost of all of the services your business uses and offsets them with your earnings credit accrued during the statement cycle. Everything is calculated for your business by the Bank and at the end of the statement cycle your earnings credit goes toward payment of the accumulated fees. If there is still a service charge due on your account after the earnings credit has been applied it will be charged to your account.
  • Unlimited transactions
  • $500 minimum opening balance required
  • May use applicable account balances to offset fees

Rates & Fees


Business Savings
Our business savings accounts are ideally suited for any business just beginning to build a reserve of funds. Unlimited ATM and in-branch withdrawals. You can also make up to six free withdrawals or transfers by pre-authorized, automatic, or telephone per month (statement cycle).
  • Tiered rates provide higher interest
  • ATM Card available
  • $500 minimum opening balance required
  • $7.50 monthly service charge if daily balance falls below $500
  • $4 fee on each withdrawal which exceeds limits
    stated above

Rates & Fees



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