Biz Checking
There is nothing small about small business
| Checking | Built For | Free Transactions Per Month |
Per Transaction If Over Limit |
Minimum Daily Balance to Earn Dividends |
Monthly Service Charge |
Actions |
|---|---|---|---|---|---|---|
| Small Business Checking |
Start-ups or other lower transaction companies |
100 | $0.25 | N/A | N/A | |
| Biz Dividend Checking |
Retailers, Restaurants or other higher-transaction companies |
400 | $0.25 | $1,000 | $15* | See rates below |
| Non-Profit | Non-profits | 400 | $0.25 | $1,000 | N/A | See rates below |
* $15 monthly fee waived if average end-of-day monthly balance is above $10,000
Maximum monthly cash deposit for each checking account is $50,000. Cost per transaction over $50,000 is $0.15 per 100 transactions.
Biz Checking & Savings Rates
Rates displayed are set at the beginning of each month and are subject to change daily.
Rates for Business Dividend Checking and Non-Profit
Rates as of 07/29/2026
| Checking Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Biz Dividend** & Non-Profit | |||
| Tier 1 | $1,000–$25,000 | 0.02% | 0.02% |
| Tier 2 | $25,000.01–$100,000 | 0.10% | 0.10% |
| Tier 3 | $100,000.01 + | 0.20% | 0.20% |
Minimum balance to earn dividends is $1,000.
* Annual Percentage Yield—Rates subject to change daily.
** Monthly fees may apply for Business Dividend.
For additional information: (937) 859-6260
Business Money Market Rates
Rates as of 07/29/2026
| Savings Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Money Market Checking | |||
| Base | $0–$2,499 | 0.02% | 0.02% |
| Tier 1 | $2,500–$9,999 | 2..37% | 2..40% |
| Tier 2 | $10,000–$24,999 | 2.47% | 2.50% |
| Tier 3 | $25,000–$49,999 | 2.57% | 2.60% |
| Tier 4 | $50,000–$249,999 | 2.67% | 2.70% |
| Tier 5 | $250,000 + | 2.76% | 2.80% |
Dividends are compounded monthly on: Money Market Account and Certificates. Dividends on all other accounts are compounded quarterly.
* Annual Percentage Yield—Rates subject to change daily.
For additional information: (937) 859-6260
Business Certificate Rates
Rates as of 07/29/2026
| Savings Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Certificates | |||
| 6 months | $500 | 3.64% | 3.70% |
| 12 months (Bump one time)** | $1,000 | 3.69% | 3.75% |
| 18 months (Bump one time)** | $1,000 | 3.74% | 3.80% |
| 24 months (Bump one time)** | $1,000 | 3.78% | 3.85% |
| 36 months | $1,000 | 3.83% | 3.90% |
| 48 months | $1,000 | 3.88% | 3.95% |
| 60 months | $1,000 | 3.93% | 4.00% |
| Jumbo Certificates | |||
| 24 months (Bump one time)** | $100,000 | 3.88% | 3.95% |
| 36 months | $100,000 | 3.93% | 4.00% |
| 48 months | $100,000 | 3.98% | 4.05% |
| 60 months | $100,000 | 4.02% | 4.10% |
Dividends are compounded monthly on: Money Market Account and Certificates. Dividends on all other accounts are compounded quarterly.
** Offer valid on 12-, 18-, and 24-month certificates only. Offer subject to end or change without notice. Minimum $1,000 deposit to open. In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member’s request, to the newer rate. One rate change permitted during the term of the certificate. Early withdrawal penalties apply. Other rates and terms available.
* Annual Percentage Yield—Rates subject to change daily.
For additional information: (937) 859-6260