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Business Schedule of Fees

Services and safe deposit box fees

Rates current as of 5/1/2023. 
All fees, terms, and conditions subject to change.

Business Banking Services
No Cost Account Research
$0.18 ACH Credit
$0.18 ACH Debit
$0.15 ACH Origination Credit - Online Banking DataNet
$0.15 ACH Origination Debit - Online Banking DataNet
$25.00  Autobooks – ACH Return Fee
$25.00  Autobooks – Credit Card Chargeback
$10.00 Autobooks – Monthly Service
3.49% Autobooks – Per Transaction (Debit/Credit)
1.00% Autobooks – Per Transaction (ACH)
$25.00 Autobooks – ACH Return Fee
$25.00 Autobooks – Credit Card Chargeback
No Cost Business Visa Check Card Replacement
No Cost Cashier's Checks
$0.0012 Cash & Coin Deposited or Withdrawn Over Account Type Limit
No Cost Check Copy
Prices Vary Check by Printing Fee
No Cost Checking Account Overdraft Transfer From Savings
$0.20 Checks Deposited - Basic Business Checking
$0.25 Checks Deposited - Business Plus Checking
$0.20 Checks Paid - Basic Business Checking
$0.25 Checks Paid - Business Plus Checking
$30 Checking Account Overdraft Privilege Fee
No Cost Coin Sorter
$15 Collection Items (Incoming, Outgoing, Domestic and Foreign)
No Cost Deposit Copy
$15 Deposit Item Returned
$25 District Attorney Check Buster Request Processing Fee
$3 Dormant Account Monthly Service Charge
$1 Foreign ATM Transaction-Non-Valley Strong CU ATM
1% of Purchase Amount Foreign Country Transaction Fee
No Cost Mobile Banking Business
No Cost Money Orders
No Cost Non-member Check Cashing Fee
$30.00 Per Presentment NSF/ODP/Returned Item – Including Automated Clearing House items
No Cost Online Banking DataNet - Basic
$30 Processing of Legal Documents
No Cost Returned Item – (Re-clear)
$35 Each Month Returned Mail
No Cost Share Account Closure Within 90 Days of Opening
No Cost Statement Copy
$30.00 Per Presentment Stop Payment and Renewal Stop Payment
$100 Sweep - Line of Credit
$20 Sweep - Zero Balance Account
$1.50 Transaction Printouts (Over 10 Days)
$4 VRU Photocopy Request

Rates current as of 5/1/2023. 
All fees, terms, and conditions subject to change.

Safe Deposit Boxes
$195 Drilling of Box by Locksmith/New Lock
$20 Key Deposit
$11 Key Replacement
$45 Rental of 3 × 5 Box Annual Fee
$55 Rental of 5 × 5 Box Annual Fee
$80 Rental of 3 × 10 Box Annual Fee
$100 Rental of 5 × 10 Box Annual Fee
$120 Rental of 6 × 10 Box Annual Fee
$175 Rental of 10 × 10 Box Annual Fee

Commercial Cash Vault Schedule of Fees

Rates current as of 5/1/2023. 
All fees, terms, and conditions subject to change.

Checking
Account Name Minimum to Open Fees and Charges
Basic Business Checking $100 $10 monthly maintenance fee. Fee waived with $1,500 minimum daily balance or $3,000 average daily balance. Up to 100 checks written, 100 deposited items, $5,000 cash deposited, and $5,000 in change orders.
Business Plus Checking $100 $18 monthly maintenance fee. Fee waived with $5,000 minimum daily balance or $10,000 average daily balance. Up to 300 checks written, up to 300-deposited items, $12,000 cash deposited, and $12,000 in change orders.
Business Analysis Checking  $100 $20 monthly maintenance fee. Earnings credit may offset fees. Per transaction, fees are assessed monthly. (See per item Fee Schedule for details)
Community Non-Profit Checking $100 $7.00 monthly maintenance fee. Fee waived with $7,500 minimum daily balance or $15,000 average daily balance. Up to 200 checks written, up to 300 deposited items, no charge for cash deposits, and no charge for change orders.

Rates current as of 5/1/2023. 
All fees, terms, and conditions subject to change.

Account Analysis Service*
General Account Services
$0.18 Credits Posted
$0.18 Debits Posted
Depository Services
$0.0012 Cash & Coin Deposited or Withdrawn
$0.10 Checks Deposited
$1.25 Deposit
$15 Deposit Item Returned
$5.00 Deposit Correction - Cash
No Cost Return Item - Re-clear
Paper Disbursement Services
No Cost Cashier's Checks
No Cost Check Copy
$0.20 Checks Paid
No Cost Deposit Copy
No Cost Money Order
No Cost Non-Member Check Cashing
$30 NSF/ODP/Returned Item – Including Automated
No Cost Statement Copy
$30 Stop Payment and Renewal Stop Payment
General ACH Services
$0.18 ACH Credit
$0.18 ACH Debit
$0.15 ACH Origination Credit - Online Banking
$0.15 ACH Origination Debit - Online Banking
$0.75 Same Day ACH - Per Item
Business Electronic Banking
No Cost DataNet Basic Online Banking - View Accounts
$10 Business Plus ACH Origination
$10 Business Plus Wire Transfers
$15 Business Premium with Wires & ACH
No Cost Mobile Banking Business
No Cost Mobile Deposit Business
$40.00 Remote Desktop Deposit
$0.13 RDC Deposited Check Image (Per Item) 
$30.00 Bill Pay Expedited Check
$9.95 Bill Pay Expedited Electronic (ACH)
$20 Stop Payment - Online
Positive Pay
$40 Pro Chex
$10 Pro Chex Service Additional Account
$15 Pro Chex Return Item
$10 Pro Chex Payee
$0.12 Pro Chex Payee Per Item
$25 Pro Tech ACH
$15 Pro Tech ACH Return Item
$10 Origination
$5 Origination Batch Reject
Wire Services
$15 Wire - Incoming Domestic
$25 Wire - Outgoing Domestic Branch
$40 Wire - Incoming international
$40 Wire - Outgoing International
$15 Online Wires - Domestic
$40 Online Wires - International
$25 Reverse Draw Down
Earnings Credit
0.50% Standard Earnings Credit Rate

*Fees apply to Analysis Checking.

Business share Savings rates
Average Daily Balance  Minimum Opening Deposit Dividend Rate Annual
Percentage
Yield (APY)
up to $999.99 $5 0.05% 0.05%
$1,000 - 4,999.99 $5 0.05% 0.05%
$5,000 - 9,999.99 $5 0.05% 0.05%
$10,000 and over $5 0.10% 0.10%

Rates effective as of 5/1/2023.
All Rates, terms and conditions subject to change.
Rates are variable and may change after account is opened. Fees may reduce earnings.

Business simple Savings rates
Average Daily Balance  Minimum Opening Deposit Dividend Rate Annual
Percentage
Yield (APY)
up to $999.99 $5 0.05% 0.05%
$1,000 - 4,999.99 $5 0.05% 0.05%
$5,000 - 9,999.99 $5 0.05% 0.05%
$10,000 and over $5 0.10% 0.10%

Rates effective as of 5/1/2023.
All Rates, terms and conditions subject to change.
Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends. Dividends compounded and paid monthly.


Business money market Savings rates
Daily Balances of: Minimum Opening Deposit Dividend Rate Annual
Percentage
Yield (APY)
$1,000 - 9,999.99 $1,000 0.15% 0.15%
$10,000 - 49,999.99 $1,000 0.25% 0.25%
$50,000 - 99,999.99 $1,000 0.35% 0.35%
$100,000 - 249,999.99 $1,000 0.50% 0.50%
$250,000 - 499,999.99 $1,000 0.75% 0.475%
$500,000 and over $1,000 1.00% 1.01%

Rates effective as of 5/1/2023.
All Rates, terms and conditions subject to change.
Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends. Dividends compounded and paid monthly.


Business share certificate rates
Account Name     Minimum to Open/Earn APY Dividend Rate Annual
Percentage
Yield (APY)
6 Months Share Certificate $ 1,000 0.40% 0.40%
12 Months Share Certificate $ 1,000 0.80% 0.80%
18 Months Share Certificate $ 1,000 1.00% 1.00%
24 Months Share Certificate $ 1,000 1.15% 1.15%
36 Months Share Certificate $ 1,000 1.50% 1.51%

Rates effective as of 5/1/2023.
All Rates, terms and conditions subject to change.
Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends. Dividends compounded and paid monthly.

Promotional Smart Business Money Market
Special Dividend Rate Annual Percentage Yield (APY) Terms and Conditions
3.68% 3.75% Offer is valid as of 9/30/23. $1,000 minimum deposit of new funds is required and must be maintained to earn the promotional APY. After promotion period ends, rates are subject to change. Fees may reduce earnings. This is a variable rate account.
Relationship Money Market pricing
Special Dividend Rate Annual Percentage Yield (APY) Terms and Conditions
3.92% 4.00% Relationship Money Market Pricing may be applied to both business and consumer money market products. Rates are variable and subject to change. Fees may reduce earnings. Must maintain both business and consumer money market products of any type to earn relationship pricing.

Rates effective as of 5/1/2023.
All Rates, terms and conditions subject to change.
Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends. Dividends compounded and paid monthly.

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