We Are Committed To Helping You Grow

These deposit and loan services are tailored to meet the unique needs of owner operated and other small businesses. In addition, you may find the links to other Internet sites a valuable resource tool to help you manage your time and business more efficiently.  

Business Checking Account

	Minimum Opening Balance - $100	$6.00 Monthly Service Charge*
	No Minimum Balance Required	+  .10 Per Deposited Item
	Unlimited Check Writing	+  .20 Per Check Written
	Image Statements
	Accepts Electronic Debits/Credits	*Earnings Credit Applied for Each
	Accepts Auto Loan Payments	$100 of Average Collected Balance
	FDIC Insured	Up to Total Monthly Service Charge

NOW Account for Sole Proprietors & Nonprofit Entities

	Minimum Opening Balance - $100	$6.00 Monthly Service Charge
	No Minimum Balance Required	+  .10 Per Deposited Item
	Unlimited Check Writing	+  .20 Per Check Written
	Image Statements
	Accepts Electronic Debits/Credits	Variable-Rate of Interest
	Accepts Auto Loan Payments	Interest Compounded
	FDIC Insured	Interest Paid Monthly

Money Market Account

	Minimum Balance - $1,000	$10.00 Monthly Service Charge if
	6 Withdrawals / Statement Period*	Balance Drops Below $1,000.00
	3 Check Limit / Statement Period	Variable-Rate of Interest
	Unlimited In-Person Withdrawals	Interest Compounded
	FDIC Insured	Interest Paid Monthly

*Federal law permits only six withdrawals per statement period to another account or to third parties by preauthorized, automatic, or telephone transfer - with no more than 3 by check, draft or similar order to third parties. If you exceed six withdrawals per statement period, we will not allow the seventh and charge your account $8.50. Or if you exceed three checks per statement period, we must return the fourth and charge your account $8.50.

Savings Account

	Minimum Opening Balance - $10	$ 2.00 Monthly Service Charge*
	Minimum Bal to Avoid S/C - $100
	No Check or Draft Orders Permitted	Variable Interest on Daily Balance
	FDIC Insured	Interest Compounded
		Interest Paid Quarterly

* If your account balance falls below $100 any day of the month.

CDs

Certificates of deposit provide a safe, FDIC insured account that allows you to earn interest on temporary or excess business funds.  We offer flexible terms and competitive rates.  Contact a customer services representative for assistance. If you have an existing business checking account with us, and are going to transfer from checking to fund the CD. 

Loans

We offer a variety of business loan products. When you need business financing, be sure to contact one of our loan officers.  We're here to help with:

	Short Term Notes
	Lines of Credit / Multiple Advance Notes
	Simple Interest Installment Loans
	Mortgages

ACH Services

If you have a pre-authorized payment arrangement with a vendor or creditor, your business checking account can receive ACH credits or pay incoming ACH debit transactions. If you are not already using ACH transactions, you may want to consider it to take the work and worry out of receiving vendor payments and or paying recurring bills by check.  

Night Deposit

There are night deposit safes conveniently located at each of our branches.  You can sign up for this service for a fee of $12.50 (includes Key Lock Bag). Then you can easily deposit your business proceeds into the drop box at a time most convenient for you.  We will credit your deposit the following business day and return your Locked bag to you.

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At Kalamazoo County State Bank, your business is very important to us and we do our best to meet your changing banking needs. If at any time we can help you further, please contact us.

Thank You For Banking With Us