Business Deposit Products

Business Checking

• $100.00 minimum deposit to open with no minimum balance to maintain
• Business Checking is subject to the following customer service charges:

  Monthly account maintenance	$6.75
  Deposits (each)	FREE
  Deposited items (each) on-us	$0.04
  Deposited items (each) not on-us	$0.08
  Checks written (each)	$0.15
  ACH Deposits/withdrawal (each)	$0.10

• Earnings credit is automatically given to offset service charges. Earnings credit is computed from the 91-day Treasury Bill discount rate on the last business day of the month, based on the account's average daily collected balance.
• For accounts with heavy deposit activity, we offer a discount of $0.015 for deposited items encoded with magnetic ink (MICR) before deposit.

Free Business Checking

• No monthly maintenance fee
• $100.00 minimum deposit to open
• No per item deposit fees
• 125 FREE  withdrawals per month, including checks written, internet banking transfers, online bill payments, ACH and ATM withdrawals. $0.75 will be charged for each item in excess of 125.
• FREE  internet banking with 15 free online bill payments per month. $0.55 will be charged for each item in excess of 15.

Business Statement Savings Account

• Account earns a competitive interest rate
• $100.00 minimum deposit to open and to earn interest
• A $2.00 fee will be charged if your balance falls below $100.00 on any day during the month
• 6 FREE  withdrawals per quarter. $3.00 will be charged for each withdrawal in excess of 6 during a statement cycle

Business Money Market Account

• Earn a premium rate of interest
• Minimum balance to open the account $1,000.00
• If the balance falls below $1,000.00 any day of the month, an $10.00 service fee will be assessed
• Transfers from a Business Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle.
• An excess withdrawal fee of $5.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment our of this account) in excess of six during a statement cycle.

Certificates of Deposit

• Minimum deposit to open $1000.00
• Choice of maturities ranging from 1 month to 5 years
• A service fee will be imposed for early withdrawal

Electronic Payment Services

West Plains Bank and Trust Company offers ACH origination, allowing you to deliver payroll and other payments electronically. This service may substantially reduce the costs of regular payments traditionally made by check. Our ACH services are available at minimal costs:

• $25.00 per year maintenance fee
• $10.00 per file sent
• $0.10 per transaction
• $2.00 per notification of change or return items

Business Credit Cards

West Plains Bank and Trust Company offers a VISA Business Credit Card for your business. Our VISA Business Card can help you separate business and personal expenses while building a credit history for your business.

Credit Card Sales Processing

Through the bank's service providers, we can transmit your credit card sales information electronically, crediting your account automatically via ACH. Electronic processing results in reduced costs for your business. Fees vary depending on volume of business.

The bank can assist you in purchasing the necessary electronic equipment. For assistance in installing an electronic terminal, we charge a one-time fee of $50.00.

Health Savings Accounts (HSAs)

If your business is considering offering Health Savings Accounts (HSAs) to your employees, West Plains Bank and Trust Company can help. We can set up individual HSAs for all of your employees.

Account Supplies

The following account supplies are available to West Plains Bank and Trust Company's Business customers:

Safe Deposit Boxes

• Available at Main Bank, North Branch and Liberty Branch

For more information on these products, or to open any of these accounts, please call or visit a branch today.