- Interest-earning1
- Free electronic statements
Small Business Checking with Interest
- Interest-earning1
- Online banking with bill pay
- Mobile banking with mobile deposit
- Free electronic statements
Additional information about this account:
- Available to sole proprietorships, nonprofits or public organizations
- Business Ready Reserve Line of Credit2 available
- No monthly maintenance fee if $1,000.00 daily balance is maintained.3
- $25.00 minimum account opening deposit required
- Surcharge-free ATMs via the Allpoint Network4
- Overdraft privilege5 available
Valid identification is required to open this account. Please refer to this list of acceptable forms of identification.
1Please see a customer service representative or personal banking representative for current rate information, calculation method and to obtain your copy of our specific account details.
2Must meet Alpine Bank's underwriting requirements. Rates and terms are subject to change based on current market conditions. Please contact your local Alpine Bank loan officer for more information, other restrictions may apply.
3A maintenance fee of $10.00 will be charged each monthly statement cycle if the daily balance in the account falls below $1,000.00 any day of the statement cycle.
4If using any international, non-Allpoint or non-Alpine Bank ATM, the $2.00 ATM fee per withdrawal will still apply, as well as any fee charged by the third-party ATM holder.
5Overdraft Privilege will be available to use the first business day following a 30-calendar day waiting period.
Our standard NSF paid item fee is $15.00 if the overdraft is a result of a transaction greater than $3.00 but less than $15.01 or $38.00 NSF paid item fee if the overdraft is a result of a transaction of $15.01 or greater, and the transaction overdraws your account by more than $15.01 (meaning you have a negative $15.01 available balance or more). For our consumer accounts, we may charge up to $200.00 in non-sufficient fund (NSF) paid item fees per account, per day. For our business accounts, there is no maximum daily limit for non-sufficient (NSF) paid item fees.
The categories of transactions for which a fee for paying an overdraft may be imposed are checks, an in-person withdrawal, an automatic payment, an Automated Clearing House (ACH) transaction, recurring debit card payment, or any other debit transaction made using your checking account. For consumer accounts at your request, we may authorize and pay ATM transfers or withdrawals or everyday debit card transactions. Business account ATM transfers or withdrawals or everyday debit card transactions will automatically be included as a transaction for which a fee for paying an overdraft item may be imposed.
Please be advised that if you use the Overdraft Privilege service, you must make regular deposits to bring your account to a positive balance, for at least 1 business day, at least once every 30 calendar days (including the payment of all bank fees and charges).
We typically do not pay overdrafts if; (1) your account is not in good standing; (2) you have a legal orders (including bankruptcies), garnishments, levies or liens against your account; (3) you have an outstanding indebtedness past due or in default to Alpine Bank or any other account relationship and; (4) an item is presented that is over your currently available Overdraft privilege amount.
