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BUSINESS ESSENTIALS


BUSINESS ESSENTIALS.

Designed for business owners, the BUSINESS ESSENTIALS business banking bundle delivers access to four ­business ­accounts, a bundle of essential business banking services and includes 200 debits in BUSINESS ESSENTIALS (BE) ­checking accounts.

Accounts included Debits per month Minimum opening deposit Minimum balance
BE Business Checking 200 (additional $.30 each). $250 No minimum balance required
BE Business Interest Checking 200 (additional $.30 each). $250 No minimum balance required
BE Corporate Interest Checking 200 (additional $.30 each). $250 No minimum balance required
BE Business Savings 6 excessive withdrawals allowed (additional $6 each). $250 $300 ($3 if minimum balance not maintained
$14.95* monthly fee will be waived with an average daily balance of $25,000 in any one of the above BUSINESS ESSENTIALS accounts.
Products Features
Business Online Bill Pay No charge 24/7 Online Business Bill Pay.
Business Online Banking Convenient 24/7 online banking (non-ACH).
Merchant Services VISA®/Mastercard® merchant services available (on approved credit).
Business Credit Card VISA®/Mastercard® credit card available (on approved credit).
Business Debit Card VISA® BUSINESS ESSENTIALS debit card.
Overdraft Line of Credit Line of credit overdraft protection available (on approved credit).
Overdraft Protection Overdraft protection for business checking from your business savings account.
Stop Payments Stop Payments.
Night Deposit Bag One zipper night deposit bag.
1st Order Checks & Deposit Slips First order of basic checks and deposit slips.
Endorsement Stamp One self inking endorsement stamp.
Currency Exchange & Change Orders Currency and coin exchange
Notary Service Convenient notary service provided at any local branch.
Incoming Wires Incoming domestic wires.
EZ Deposit $85 setup fee waived. Discounted rate of $75 per month and .06 cents per item (on approved credit).
Combined Statements View all account information in one combined statement.
Automatic Transfers to Savings Automatic transfers to your Savings account.
*Some restrictions apply. See below.
BUSINESS ESSENTIALS Checking
Minimum balance to open the account - You must deposit $250.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $14.95 will be imposed every statement cycle if the average daily balance for the cycle falls below $25,000.00 in this account or other Mohave State Bank Business essentials deposit accounts. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Fees - A transaction fee of $.30 will be charged for each debit in excess of 200 during a statement cycle.
BUSINESS ESSENTIALS Interest Checking (For sole proprietors, clubs and organizations)
Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account every day.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $250.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $14.95 will be imposed every statement cycle if the average daily balance for the cycle falls below $25,000.00 in this account or other Mohave State Bank Business essentials deposit accounts. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.
Daily 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.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Fees - A transaction fee of $.30 will be charged for each debit in excess of 200 during a statement cycle.
BUSINESS ESSENTIALS Corporate Interest Checking (For corporations)
Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account every day.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $250.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $14.95 will be imposed every statement cycle if the average daily balance for the cycle falls below $25,000.00 in this account or other Mohave State Bank Business essentials deposit accounts. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.
Daily 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.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Fees - A transaction fee of $.30 will be charged for each debit in excess of 200 during a statement cycle.
BUSINESS ESSENTIALS Savings
Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account every day.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $250.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $3.00 will be imposed every month if the average daily balance for the month falls below $300.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Daily 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.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction limitations - Transfers from a Business Savings account to another account or to third parties by preauthorized, automatic, telephone transfer or online transfer are limited to six per month.
Fees - An excessive withdrawal fee of $6.00 will be charged for each debit transaction in excess of the above limitations.

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