Business Checking

We know the checking products you use need to be designed for your size of business, whether you conduct business from the board room or your kitchen table. At Plains Commerce Bank you will find we provide the personal touch and flexibility that you need to manage your finances successfully. Choose from:

Business Checking

Our business checking is the perfect choice for businesses with a limited number of transactions. This account has no service charge if you keep over $1000 average balance in your checking account each statement cycle. Minimum to open: $0 Monthly service charge: $0 - $7.50 Minimum balance to avoid monthly service charge: $1000 average balance during statement cycle Interest earning: None Per check charge: $0 Return item fee: $2.00 Combined statements with free check safekeeping: Yes Free online business banking: Yes Free Business ATM/Checkcard5: Yes Free Telephone Banking:Yes Choice of Cash Management and other specialized services

Business Interest Checking1,2

The Business Interest Checking is designed for sole proprietors, non-profit organizations or governmental agencies. This account earns interest on the balance and has no service charge if you keep over $2500 average balance in your checking account each statement cycle. Minimum to open: $0 Monthly service charge: $7.50 Minimum balance to avoid monthly service charge: $2500 average balance during statement cycle Interest earning: Yes Per check charge: $0 Return item fee: $2.00 Combined statements with free check safekeeping: Yes Free online business banking: Yes Free Business ATM/Checkcard5: Yes Free Telephone Banking:Yes Choice of Cash Management and other specialized services

Commercial Checking

Commercial Checking is the best account available for larger companies that maintain larger balances and have a high number of transactions. Minimum to open: $0 Monthly service charge: $10.00, which may be offset by your earnings allowance (listed below). Debit item fee: $0.10/item Transit items deposited: $0.08/item Charge back item fee: $2.00 Interest earning: No Combined statements with free check safekeeping: Yes Free online business banking: Yes Free Business ATM/Checkcard5: Yes Free Telephone Banking:Yes Choice of Cash Management and other specialized services

Sample Commercial Checking Service Charge (Earnings Credit Calculation)
Account Maintenance Fee:		$10.00
Checks Written:	50 x $0.10	$5.00
Transit Items Deposited:	80 x $0.08	$6.40
Charge Back Fees	2 x $2.00	$4.00
Service Charge for Cycle*		$25.40
Average Investable Balance Calculation:
Average Ledger Balance		$8750.00
Less Average Uncollected Balance		($1,750.00)
Average Collected Balance		$7,000.00
Less 10% Reserve Requirement		($700.00)
Average Investable Balance		$6,300.00
Earnings Credit Calculation
Average Investable Calculation		$6,300.00
Earnings Credit Rate**	x	3.5%
Number of Days in Month	x	31
Number of Days in Year	x	365
Total Earnings Credit	=	$18.73
Total Monthly Service Charge		$25.40
Total Earnings Credit		($18.73)
Net Service Charge		$6.67
*Your monthly service charge will vary. **Rate is for demonstration purposes only.

An earnings credit is applied to the average collected balance less a bank-established reserve requirement. The rate is at the bank's discretion and offsets service charges.

This chart is for demonstration purposes only.


Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”.

As a customer of Plains Commerce Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.