Commercial Accounts

Commercial Accounts Overview

Please note this table is provided as a general overview of available accounts only. Please see below for more detailed information on each account.

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Designed for new or small businesses with modest balances and modest account activity.

Features:

  • No monthly maintenance fee with a $2,500 average daily balance; otherwise, $7.50 monthly maintenance fee applies
  • Checks Paid and/or Deposited:
    • First 250 paper items each month:     Free
    • Each additional paper item:     $0.25
  • Minimum amount to open account:     $100
  • Free e-statements or $3 paper statement fee
  • Unlimited electronic items

Designed for businesses with low to moderate account activity with opportunity to earn interest on balances.

Features:

  • No monthly maintenance fee with a $5,000 average daily balance; otherwise, $10 monthly maintenance fee applies
  • Checks Paid and/or Deposited:
    • First 25 paper items each month:     Free
    • Each paper item over 25:      $0.25
    • Each paper item over 100:      $2.00
  • Competitive tiered interest rates (please call for rates)
  • Interest is compounded and paid monthly
  • Free e-statements or $3 paper statement fee
  • Unlimited electronic items
  • Minimum amount to open account: $100

Designed for businesses that seek cash management tools, maintain higher balances, and have higher account activity. 

Features:

  • Service charge is based upon Account Analysis
  • Service Charge credit is based on balance available for investment and used to offset analysis charges for all commercial services
  • Multiple accounts may be linked to determine analysis charges
  • Free e-statements or $3 paper statement fee
  • Cash Management products available.  Visit with any Lobby Services Representative for more information!
  • Minimum amount to open account: $100

Designed specifically for nonprofit organizations with unlimited free transactions. 

Features:

  • No monthly maintenance fee with a $500 average daily balance; otherwise, $5 monthly maintenance fee applies
  • Unlimited Checks Paid and/or Deposited
  • IRS 501 (c) (3) status documentation required
  • Free e-statements or $3 paper statement fee
  • Unlimited electronic items
  • Minimum amount to open account: $100

Ideal for businesses that want to earn interest and grow savings, while maintaining quick and easy access to their funds. 

Features:

  • No maintenance fee with a $300 minimum daily balance; otherwise, $3 quarterly maintenance fee applies
  • Withdrawals and/or Transfers
    • First 3 each statement cycle: Free
    • Each transaction after that:  $1.00
  • Minimum amount to open account: $100
  • Free e-statements
  • Interest is compounded and paid quarterly on balances of $100 or greater

Ideal for businesses who want to earn a competitive, tiered interest rate on their balances while maintaining easy access to funds. 

Features:

  • No monthly maintenance fee with a $2,500 average daily balance; otherwise, $12 monthly maintenance fee applies
  • Withdrawals and/or Transfers
    • First 6 each statement cycle: Free
    • Each additional transaction:  $25.00
  • Limit of six (6) transfers or payments (preauthorized, automatic, by telephone or from a personal computer), including drafts, checks, or debit card, from your money market account per statement cycle.  Limit does not apply to withdrawals made in-person, by messenger, by mail, or withdrawals at an ATM.
  • Competitive tiered interest rates (please call for rates)
  • Free e-statements or $3 paper statement fee
  • Interest is compounded and paid monthly
  • Minimum amount to open account: $100

Features:

  • Terms range from 30 days to 5 years
  • Minimum of $1,000 to open
  • Interest compounds monthly
  • Various interest payment methods and frequencies available
  • Please call for rates

Features:

  • Terms range from 30 days to 5 years
  • Minimum of $250,000 to open
  • Various interest payment methods and frequencies available
  • Can withdraw interest earned before maturity with no penalty
  • Please call for rates

Free Services with All Accounts

  • Telebanker

    Our Telephone Banking Service
  • Online Banking

    Safe, secure and convenient banking at amnat.com
  • Debit Cards

    The easiest way to pay
  • eStatements

    Available any time at amnat.com
  • ATM

    24 hour banking at any of our convenient local locations. In addition, there are tens of thousands of surcharge-free ATMs available coast to coast on the MoneyPass network.
  • Mobile Banking

    Here. There. Everywhere. Now we’re everywhere you are.
  • Notary Services

    We offer free notary services for all customers.