Business Checking

We've taken the complexity out of business checking. Stop paying for the services you don't use. At Brotherhood Bank & Trust we've designed our business checking accounts to keep fees down and your options open.

All Brotherhood Bank & Trust business checking accounts include:

• Free business debit cards
• Free Global Check Recovery
• Free Online Banking
• Free or discounted set up fees on merchant services
• Free TeleLink

Primary Business Checking

The checking account for most businesses.

Designed for businesses with a limited number of transactions and cash deposits each month.

Account Benefits:

• $200 minimum opening balance.
• 200 free transactions per statement cycle.
• No monthly maintenance fees.
• A local business banking expert at your side.

Premium Business Checking

For larger businesses, our Premium Business Checking account uses your balance to offset most or all account fees. Intended for businesses that use more services while carrying higher balances and making larger numbers of transactions each month.

With Premium Business Checking a detailed monthly analysis is available to easily monitor your account activity and earnings credit. Indexed to the T-Bill*, your earnings credit rewards you for keeping higher balances by offsetting transaction fees.

Account Benefits:

• No limit on transactions.
• Higher earnings credit.
• Deeper discounts on our On-Line Cash Management Options
• A full range of money management options.

Both come with a host of free services and access to valuable online cash management tools you can add on as needed.

Online Cash Management Tools

Brotherhood Bank & Trust is also pleased to provide On-Line Cash Management, money management tools that will save time and money. You'll be able to safely and securely manage your accounts from your office.

• Real Time Account Management
• Advanced Search Features
• Image Search
• Authorized Employee Access
• Foreign/Domestic Wires
• Tax Payments
• Stop Payment Requests
• Upload ACH Files

	Primary	Premium
Transactions Analyzed	NO	YES
Monthly Maintenance Fee	$0.00	$15.00
Earning Credit Rate	n/a	Indexed to 91-day T-bill or 0.75%, whichever is greater
Negative Balance Formula	n/a	Prime + 6
Reserve Requirement	n/a	10%
FDIC Assessment	n/a	0.017 - tbd
Checks/Debits Per Month	200 free then $0.35 each	$0.16
Electronic Debit	200 free then $0.35 each	$0.16
Deposits Per Month Electronic Deposit (credit)	200 free then $0.35 each	$0.16 $0.16
Deposited Items Per Month	200 free then $0.35 each	$0.09
Return Deposited Item	$10.00	$10.00
Return Deposited Item - reclearing fee	$10.00	$10.00
Wire Transfer - In	$10.00	$10.00
Wire Transfer - In (through Online Cash Management)	$7.00	$7.00
Wire Transfer - Out	$15.00	$15.00
Wire Transfer - Out (through Online Cash Management)	$12.00	$12.00
Monthly Sweep Fee - Repo	n/a	$50.00
Monthly ZBA Fee	n/a	$20.00
ACH - Monthly Maintenance Fee	n/a	$35.00
ACH - Transaction Fee	n/a	$0.10
ACH - Return Item	n/a	$5.00
ACH - Notification of Change	n/a	$5.00
ACH - Transaction to Canada (per item)	n/a	$0.04
ACH - Transaction to Mexico (per item)	n/a	$0.74
Online Cash Management - Sole Proprietor Only	$0.00	n/a
Online Cash Management - Premium - Standard + ACH	$20.00
CD ROM of Monthly Statement & Checks	$10.00	$10.00
Monthly Statement Fee	$0.00	$0.00
Stop Pay	$29.00	$29.00
Stop Pay via Online Cash Management	$25.00	$25.00
Cash/Coin - Cash In - $$		12¢ per $100.00
Cash/Coin - Cash Out - $$		12¢ per $100.00
Positive Pay - Monthly Fee		$50.00
Positive Pay - Per Item Fee		$0.03
Telephone Transfers (n/c with Online Cash Management or Telelink)	$3.50	$3.50
Telephone Transfers w/faxback (n/c with Online Cash Management or Telelink)	$5.50	$5.50
eTeller - Setup	n/a	$0.00
eTeller - Monthly Maintenance Fee	n/a	$50.00
eTeller - Transaction Fee =/<200	n/a	$0.45
eTeller - Transaction Fee >200	n/a	$0.55
eTeller - Scanner	n/a	$1,000.00
Imaged Checks	$3.00	$3.00

Which business checking account is right for you?

Spend a few minutes with one of our business banking experts. Armed with your real-world data, we'll run the numbers on the spot. We'll not only be able to accurately recommend the best business account for you, we'll also calculate your savings.

Specialized Business Checking Accounts

Non-Personal NOW

Designed for non-profit organizations and sole proprietorship businesses, this account earns a variable rate of interest and enables unlimited check writing and withdrawals. A detailed monthly statement reports all account activity and helps you manage your money for greater overall profitability.

Account Benefits:

• Unlimited check writing.
• $1,000 average daily balance will waive the regular monthly service charge.
• Interest compounded and paid monthly.
• Detailed monthly statements.
• Imaged checks available for $3 per month.
• FDIC insured deposits.
• 24/7 access to Brotherhood Bank & Trust ATMs.
• No charge for - or limit on - the number of account inquiries, or service requests.
• 24/7 access to your account with TeleLink at 913-321-6800 and Online Banking (required set up fees apply to Online Banking).

Account Requirements:

• Minimum opening deposit of $1,000.
• If the minimum daily balance for the cycle falls below $1,000, an $8 fee will be imposed.
• Fee of $0.15 will be charged for each debit transaction (i.e. withdrawals, checks paid, automatic transfers, or payments out of this account).
• Fee of $0.10 will be charged for each foreign item deposited into this account.
• $500 daily withdrawal limit on ATM/Debit card.
• $2500 daily purchase limit on ATM/Debit card.

Check Imaging

Checking is streamlined with Check Imaging. You receive everything you need for proper record-keeping without the hassle and expense of cancelled checks.

Banking Convenience

Receive your regular statement plus crisp laser images printed to fit on 8 1/2" x 11" sheets Instead of the old bulky envelope full of cancelled checks.

Laser Printing

Your image statement is easy to read.

Easier Checkbook Reconciling

Your check images are provided in numeric order, eliminating the need to sort checks before balancing your checkbook.

Storage Convenience

Reduce storage space requirements. Keep your statements well organized and at your fingertips in a three-ring binder.

Time Saving Research

Brotherhood Bank & Trust keeps permanent records of your statement and check information. When you need a full-sized copy of a statement or the front and back of a check, we can provide it much faster with this advanced system.

IRS/Court Approved

The Internal Revenue Service and the Federal Court System both accept this new technology as official proof of payment.

* Based on 91-day Treasury Bill or .75 basis points, whichever is higher.