Business Analysis

Deposit Solutions > Business Analysis

The Business Analysis account has been devised for businesses that generate more than 1,000 items each month (including checks, deposits, and deposited items).

Account Analysis Fees

Monthly maintenance fee	$7.50
Deposits & other credits	$0.25 each
Items deposited	$0.06 each
Deposited items returned	$7.00 each
Currency & coin	No Charge
Checks & other debits paid	$0.15 each

Earnings Credit

With Business Analysis, all of your average collected balances receive a monthly earnings credit. This credit has been designed specifically to reduce your monthly service and activity charges. Therefore, if your earnings credit exceeds your charges, your account will not be credited the excess. The credit will be automatically applied toward service and activity charges for the current month. If your earnings credit does not cover the service and activity charges, the remaining charges will be deducted from your account.

Calculating Earnings Credit

Multiply the collected balance by the reserve requirement*, then multiply that number by the number of days in the (current) month, and then divide that number by 365 for your monthly earnings credit. The earnings credit rate varies based on market conditions.
*Adjusting for 10% reserve requirement.