# Business Banking

## Business Checking Account

**Minimum balance to open the account - **You must deposit $100.00 to open this account.

**Fees-**For the monthly statement cycle we will impose a service charge fee of $5.00 once during the statement cycle for accounts with a positive average daily balance. We will also impose a per check service charge fee of $.20 for each check paid or other withdrawals during the statement cycle. We will impose a per check deposited service charge fee of $.03 for each check deposited during the statement cycle. We will credit back to the account $.44 per $100.00 average collected balance. 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.

## Business Savings Accounts

For current rate contact us at 417-667-4550

**Rate** Information – Your interest rate and annual percentage yield may change. **Frequency of rate changes** – We may change the interest rate on your account at any time.

**Determination of rate – **At our discretion, we may change the interest rate on your account.

**Compounding and crediting frequency – **Interest will be compounded every quarter. Interest will be credited to your account every quarter.

**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 $100.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed – **You must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage yield. 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. The period we use is the quarterly statement cycle.

**Average daily balance computation method – **We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. 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. The period we use is the quarterly statement cycle.

**Accrual of interest on noncash deposits – **Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

**Transaction limitations:**

Transfers from a Business Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to 18 per quarter with no more than six during a month.

**Fees:**

A withdrawal fee of $1.00 will be charged for each withdrawal in excess of six during a month.

## Business Money Market

For current rate contact us at 417-667-4550

**Rate Information**– Your interest rate and annual percentage yield may change.

**Frequency of rate changes**– We may change the interest rate on your account at any time.

**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 $1,000.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed – **You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. 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. The period we use is the monthly statement cycle.

**Minimum balance to avoid imposition of fees-**A service charge fee of $7.50 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1000.00. 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.

**Average daily balance computation method – **We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. 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. The period we use is the monthly statement cycle.

**Accrual of interest on noncash deposits – **Interest begins to accrue no later that the business day we receive credit for the deposit of noncash items (for example, checks).

**Transfer limitations-** Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per month.

## Business Super Now Account

For current rate contact us at 417-667-4550

***Only natural persons DBA and Non profit entities can open a Super Now account.**

**Rate Information – **Your interest rate and annual percentage yield may change. **Frequency of rate changes – **We may change the interest rate on your account at any time.

**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 $1,000.00 to open this account.

**Fees-**For the monthly statement cycle we will impose a service charge fee of $10.00 once during the statement cycle for accounts with a positive average daily balance. We will also impose a per check service charge fee of $.20 for each check paid or other withdrawals during the statement cycle. We will impose a per check deposited service charge fee of $.03 for each check deposited during the statement cycle. We will credit back to the account $.084 per $100.00 average collected balance. 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 average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. 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. The period we use is the monthly statement cycle.

**Average daily balance computation method - **We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. 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. The period we use is the monthly statement cycle.

**Accrual of interest on noncash deposits – **Interest begins to accrue no later that the business day we receive credit for the deposit of noncash items (for example, checks).

## Business Services

**Business Account Service Charges**

REGULAR BUSINESS | *SUPER NOW BUSINESS | |
---|---|---|

RETURNED ITEM EACH | $15.00 | $15.00 |

OVERDRAFT ITEM EACH | $15.00 | $15.00 |

STOP PAYMENT REQUEST | $15.00 | $15.00 |

STOP PAYMENT RENEWAL | $15.00 | $15.00 |

DORMANT ACCOUNT FEE | $3.00 | $3.00 |

THE FOLLOWING ITEMS ARE OFFSET WITH CREDIT ON BALANCE PER STATEMENT CYCLE | ||

ACCOUNT MAINTENANCE | $5.00 | $10.00 |

MNT. PER CHECK WRITTEN | $0.20 | $0.20 |

MNT. PER CHECK DEPOSITED | $0.03 | $0.03 |

CREDIT BACK PER $1OO.OO | $0.44 | $0.084 |

AVERAGE COLLECTED BALANCE |

*ONLY NATURAL PERSONS DBA AND NON PROFIT ENTITIES CAN HAVE A SUPER NOW ACCOUNT, CORPORATIONS, LLC AND PARTNERSHIPS CANNOT.