Premier Analysis

Your growing business needs a checking account that keeps pace. Here's your solution if you maintain a larger balance and run a larger number of transactions every month. 




A high-capacity commercial account for your high-volume business.

In the rush of the business day, you need to be able to take care of your finances anytime with a checking account that scales to your increased activity. Bank Independent's Premier Analysis Business Checking meets your demands.
  • $100 minimum opening deposit
  • $15 monthly service charge
  • Analysis charges apply but may be offset by the earnings credit1
  • Free Online and Mobile Banking2
  • Business Bill Pay and mobile check deposit available3
  • Debit cards for fast, easy purchases online and in stores
  • No overdraft charges for insufficient funds of $5 or less4


1 Analysis Charges and Credits: $0.35 per credit $0.18 per debt $0.10 per item deposited. An additional daily charge equal to 18% Annual Percentage Rate (APR) will be assessed each day your average collected balance is negative.  An earnings credit will be applied to offset or reduce some of the above charges. This credit is calculated based on the average daily collected balance and the previous month’s 13-week U.S. Treasury Bill interest rate (less reserves and costs)

2 Carrier data charges may apply.

3 Requires separate enrollment. See a Business Banking Specialist for additional details.
 
4 An NSF fee will not be charged to an account if the ending daily balance in the account is overdrawn by $5.00 or less.

We will charge an NSF/Overdraft fee of $36 for each presentment that overdraws your account. We will not charge more than 6 NSF/Overdraft fees to your account in one business day. An NSF fee is a charge that is assessed when a presentment is returned by the bank due to insufficient funds in the account. An overdraft fee is a charge assessed when a presentment is paid by the bank on an account with insufficient funds. Standard overdraft practices apply when you have authorized us to pay, and we have agreed to pay checks and other transactions causing an overdraft through automatic bill payment and for checks and other transactions made using your account number. Whether your overdraft item will be paid is discretionary and we reserve the right not to pay. We will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. Deposits are required within 45 days of an overdraft. If an overdraft is not paid in full within this period, your account is subject to close. See a Personal Banker for details on minimum balance requirements and monthly maintenance fees for all deposit accounts. (Schedule of fees)