Universal Bank | Business Checking

BUSINESS CHECKING ACCOUNT TYPES

BUSINESS BASIC CHECKING	BUSINESS SOLUTION CHECKING	BUSINESS EXECUTIVE CHECKING	ACCOUNT ANALYSIS
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Best account for
A small business checking account with all the conveniences such as online Bill Pay, debit card purchases, and ACH transfers	A flexible account that can give mid-sized businesses a helpful, competitive edge.	Everything you expect from a checking account designed for bigger businesses with greater monthly transactions and cash management needs.	Works best for large-sized businesses, offering a dedicated business banking solution to cash management needs.
Balance requirement fee
$15.00 The fee is waived each statement cycle if ONE of the conditions is met: The average daily balance is $1,500.00 or more; OR A daily minimum balance of $10,000.00 in any combination of this account & linked qualifying accounts¹	$25.00 The fee is waived each statement cycle if ONE of the conditions is met: The average daily balance is $25,000.00 or more; OR A daily minimum balance of $25,000.00 in any combination of this account & linked qualifying accounts¹	$75.00 The fee is waived each statement cycle if ONE of the conditions is met: The average daily balance is $75,000.00 or more; OR A daily minimum balance of $75,000.00 in any combination of this account & linked qualifying accounts¹	$25.00 The fee may be offset each statement cycle by earnings credit²
Minimum opening deposit
$100.00	$100.00	$100.00	$100.00
Transactions³ count
Up to 100 with no fees	Up to 200 with no fees	Up to 350 with no fees	Refer to the Account Analysis Schedule of Fees & Charges
Cash deposit
Up to $10,000.00 with no fees	Up to $20,000.00 with no fees	Up to $30,000.00 with no fees	Refer to the Account Analysis Schedule of Fees & Charges
Outgoing domestic or international wire fee
Refer to the Business Schedule of Fees & Charges	Refer to the Business Schedule of Fees & Charges	The first 4 outgoing wires fees are waived each month	Refer to the Account Analysis Schedule of Fees & Charges
Incoming domestic or international wire fee
Refer to the Business Schedule of Fees & Charges	All incoming domestic and international wire fees are waived	All incoming domestic and international wire fees are waived	Refer to the Account Analysis Schedule of Fees & Charges
Earnings credit² account

Free ATM withdrawals at over 55,000 AllPoint Network and Citibank Branch ATM locations

Online banking with Bill Pay⁴ and account-to-account transfers

Online banking domestic wire transfer services⁵

Mobile app check deposit

Access to 18 months of paperless bank statements and check images

Business Loans & Line of Credit Origination Fee Discount⁶
	Up to $250.00	Up to $750.00	Varies depending on account balance
Remote deposit scanner service⁷
Refer to the Business Schedule of Fees & Charges	Refer to the Business Schedule of Fees & Charges	Refer to the Business Schedule of Fees & Charges	Refer to the Account Analysis Schedule of Fees & Charges
Night drop service
Refer to the Business Schedule of Fees & Charges	Refer to the Business Schedule of Fees & Charges	Refer to the Business Schedule of Fees & Charges	Refer to the Account Analysis Schedule of Fees & Charges
Armored transportation or bonded courier service⁸
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¹Qualifying accounts include: Business Basic Checking, Business Solutions Checking, Business Executive Checking, Business Savings, and Business Certificates of Deposit. Excludes any promotional and legacy products.

²Earnings credit will be determined by the Bank and subject to change without notice. The earnings credit will be applied to offset any Bank fees assessed on the account. Account balances in other business account types will not help increase earnings credit nor waive any Account Analysis fees.

³Account transactions are limited to ACH credits, ACH debits, checks paid, and checks deposited. There will be a Transaction Fee of $0.30 for each credit/debit transaction above the stated transaction count.

⁴Must enroll in Universal Bank Online Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply. Please contact your local banker for more details.

⁵Enrollment subject to approval. Certain restrictions and other limitations may apply. Please contact your local banker for more details.

⁶Business loans and lines of credit origination fee discount is offered to eligible customers with an existing business relationship established 30 days or more. Business customers must also meet their average daily balance requirement or meet their daily minimum balance combination requirement for their qualifying accounts. New business relationships established less than 30 days with the Bank do not qualify. The origination fee discount is subject to the loan type (business loan or line of credit) and the amount borrowed.

⁷Remote deposit service is subject to approval. There are certain eligibility requirements. Please contact your local banker for more details.

⁸Armored transportation or bonded courier service is subject to service availability. Please contact your local banker for more details.

Business Schedule of Fees and Charges

Account Analysis Schedule of Fees and Charges

Business Checking

Disclosures & Notices

Corporate Hours & Info

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