Four Oaks Bank  
 

Business Checking Accounts

Business Solutions
           
Business Solutions is our premier checking package for business owners.  With Business Solutions you have access to a full range of free and discounted banking services that will same your and your business time and money.

Service Features

  • Open with as little as $100
  • Complimentary first order of checks (up to $100).
  • One, no-fee Business Savings Account or Business Money Market Savings Account.
  • Basic Business Internet Banking at no charge.
  • No-fee Visa® Business Debit Card 1 with ScoreCard Bonus Points rewards.
  • 3 X 5 Safe Deposit Box at no charge or credit toward a larger box (subject to availability).
  • E-mail statement at no charge.
  • Business Banking Advantage, free to 12 months.
  • Visa Business Credit Card 1 with ScoreCard Bonus Points Rewards.
  • One personal 1912 Charter Club Account is provided for each business owner with no monthly fees.
  • Conduct up to 250 transactions per month at no charge (100 withdrawals, 50 deposits & 100 deposited items). 
  • Per item charge of $.35 for each transaction item over 250 each month.
  • Monthly maintenance fee of $12.
  • Maintain a minimum daily balance of $1,000 to avoid monthly maintenance fee.

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Small Business Interest Checking

Small Business Interest Checking pays interest on your checking funds.

Service Benefits

  • $100 minimum opening deposit.
  • $12 monthly maintenance fee.
  • Maintain $3,500 minimum daily balance in the account to avoid maintenance fees.
  • Conduct up to 250 transactions per month at no charge (100 withdrawals, 50 deposits & 100 deposited items).
  • Per item charge of $.35 for each transaction item over 250 each month.

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Commercial Checking

Account Analysis
Each statement cycle, service charges are calculated by an analysis of account balances and account activity.  There is no service charge on the account if the earnings allowance equals or exceeds activity charges; however, if activity charges exceed earnings allowance, the service charge is equal to the difference. 

Service Features

  • No minimum for opening deposit.
  • $14 monthly maintenance fee.
  • $.175 per item paid.
  • $.44 per deposit
  • $.085 per check deposited.

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Commercial Interest Checking

Account Analysis
Each statement cycle, service charges are calculated by an analysis of account balances and account activity.  There is no service charge on the account if the earnings allowance, less interest paid, equals or exceeds activity charges; however, if activity charges exceed earnings allowance, less interest paid, the service charge is equal to the difference. 

Service Features

  • No minimum for opening deposit.
  • $14 monthly maintenance fee.
  • $.175 per item paid.
  • $.44 per deposit
  • $.085 per check deposited.

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Attorney Trust Accounts
           
Service Features

 

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