VNB/FSNH: Overview of Business & Non-Profit Checking Plans

	Business Checking	Small Business Checking	Business Super NOW	Basic Banking Non-Profit	Super NOW Non-Profit
Recommended if you:	“Want no minimum balance and unlimited check writing.”	“Want basic business checking,write only a few checks and make a few deposits each month.”	“Want an interest bearing account with unlimited check writing and a low minimum balance to earn interest.”	“Want basic, non-profit checking, write only a few checks and make a few deposits each month.”	“Want basic, non-profit checking, write only a few checks and make a few deposits each month.”
Monthly Service Fee	Maintenance Fee: $4.75 Credit Item Fee: $.30 for each deposit made. Item on Deposit Fee: $.10 for each item on deposit Debit Item Fee: $.18 for each debit from your account.	Maintenance Fee: $8.00	Maintenance Fee: $5.00 Credit Item Fee: $.30 for each deposit made Item on deposit: $.10 for each item on deposit Debit Item Fee: $.25 for each debit from your account	Maintenance Fee: $0.00 ($2.00if your account is inactive during a monthly cycle and the balance is below $200.) Debit Item Fee: $1.00 for each item in excess of 5 (No charge if a maximum of 5 checks or debits clear your account during any monthly cycle.)	Maintenance Fee: $0.00 ($2.00if your account is inactive during a monthly cycle and the balance is below $200.) Debit Item Fee: $1.00 for each item in excess of 5 (No charge if a maximum of 5 checks or debits clear your account during any monthly cycle.
Dormant Account Fee	N/A	N/A	N/A	$200 if your account is inactive during a monthly cycle and the balance is below $200	$200 if your account is inactive during a monthly cycle and the balance is below $200
Minimum Daily Balance(s) Required to Avoid Charges	Service charge credit towards monthly service charges (An earnings allowance is applied to the collected balances (less a reserve requirement) maintained in the Business Checking Account, and a monthly credit toward the service charges is computed and is subject to change monthly based upon the average bond equivalent yield of the four most recent 91-day Treasury Bill auctions.	The above will apply regardless of account balance.	The above will apply regardless of account balance.	$200	$200
Account Features	No minimum balance to maintain Unlimited check writing Two-day availability to deposited fund Ability to process credit card deposit Service charge credit towards monthly service charges. (You will also receive a credit towards your service charge based on your activity and the average monthly collected balance less 10%. This is based on the 91-day T-bill auction average. Night drop service available $25.00 minimum opening on deposit	Write up to 55 checks or other debit items per month ($.50 per item fee will be assessed for each item in excess of the maximums in any statement cycle. Make up to 25 deposits or other credits per month ($.50 per item fee will be assessed for each item in excess of the maximums in any statement cycle. Deposit up to 155 items per month Overdraft protection available through the Bank’s corporate credit card Corporate debit card to access checking account Free endorsement stamp to stamp checks for deposit First 500 checks of a 1,000 check order free Paperless merchant processing at competitive rate $25.00 minimum opening deposit	Available to sole owners or sole proprietorships Tiered variable interest rates Unlimited check writing Interest is compounded monthly and credited to your account monthly ($500.00 minimum daily balance necessary to earn interest.) $25.00 minimum opening deposit	Available to non-profit organizations Limited check writing ability Non-interest bearing account $25.00 minimum opening deposit	Available to non-profit organizations Limited check writing ability Non-interest bearing account $25.00 minimum opening deposit