Our Business Checking accounts give you all the services you need at an economical cost.

• Business Checking
• Free Small Business Checking
• Economical
• Low Monthly Fees
• Credit Earnings

You can open your account with as little as $100, and enjoy a low monthly fee plus a small transaction cost per item. Some or all of your monthly fee may be offset by an earnings credit, based on the average monthly balances you carry in your account.

For details and the current earnings credit rate, just ask your personal banker.

• Low Monthly Fees
• Earn Credits

Whether your business is a sole proprietorship, partnership or corporation, we can provide you with an account that meets your needs. You will be working with bankers who live and work in the area. Our management, the majority of our shareholders, and our directors also live and work in either Wheaton or Glen Ellyn. No other bank can make that claim. We call that The Community Advantage.

This account is perfect for businesses with fewer transactions. It allows up to 150 items monthly with no fee and no minimum balance required (additional items are only $.50 each).

Our Visa® Business Debit Card works just like a business check, but lets you make purchases locally and around the world at more than 20 million locations.

Business Debit Card and your Community Bank checking account make the perfect combination of convenience and expense control.

It's safer than cash and you can use it at merchants, on-line or for telephone purchases, even your regular monthly bills.

It also offer other benefits:

• Give separate cards to key employees for better expense control.
• Purchase Security/Extended Protection, Auto Rental Insurance, and Travel and Emergency Assistance.*
• Visa Business Partner Advantage. Increase your purchasing power with discounts from well-known and innovative business merchants. Visit visa.com/partneradvantage for details.
• Enroll online and earn points with every qualifying purchase. Then, shop the Visa Extras Online Catalog to turn your points into great rewards both big and small, including savings on consumer electronics, hotel stays, and restaurants.

Call one of our Personal Bankers today for more information or an application.

*Certain restrictions, limitations and exclusions apply.

Community Bank officers can assist you in selecting the right cash management system for your business.

• Direct Deposit
• View check images on line
• Merchant BankCard Services
• Telebanking
• Corporate Credit Cards
• Sweep Accounts
• Zero Balance Accounts
• Account Analysis
• Courier Service
• Lock Box Service
• Cash Sweep Account

Cash Sweep Account

Community Bank offers a powerful cash management tool - a checking account that performs like an investment account. This program provides access to conservative money market investments seeking high current income. Your excess checking balances are automatically invested in an institutional money market fund distributed by Goldman, Sachs & Co. through its Goldman Sachs Money Market Funds.*

• Convenience - Save time through the automatic daily sweep of cash balances - without the paperwork.
• Earning Potential - Automatically earn money market rates on excess cash. Dividend income is declared daily and paid monthly.
• Liquidity - Earn income without committing your operating cash to term investments.
• Quality - Excess operating cash balances are conservatively invested - and always earning interest.
• Choice - Select taxable, tax-advantaged, or tax-exempt money market funds tailored to specific investment objectives and tax requirements.
• Information Access - Easy-to-read monthly statements.

*Not FDIC Insured. No Bank Guarantee. May Go Down in Value. Not a Deposit. Not Insured by Any Federal Government Agency.

Loan Sweep Account

We also offer a cash management tool designed for select business needs - a checking account linked to your Line of Credit. This program provides an automatic advance from your Line of Credit when your checking account needs additional funds.* Principal payments on your Line of Credit are also automatically made when your checking account has excess balances. You borrow only the amount you need, when you need it and get the following benefits:

*No advance will be made when the Line is fully drawn or matured.

Zero Balance Account

Community Bank's Zero Balance Account allows your company to consolidate balances from separate checking accounts. It provides an easy, fully automated way to separate specialized disbursement or depository activity into distinct accounts while retaining cash in a single "master" checking account.

The service automatically transfers funds to or from the "master" account at the end of each business day to offset the net activity in each zero balance account.

• Funds Consolidation is Made Easier
• Automated Transfers Save You Time and Money

You can earn interest while maintaining full access to your funds with Community Bank's Business Savings account. Interest is compounded daily and paid monthly. The interest rate on this account is subject to a periodic adjustment based on current market conditions.
For the current rate of interest, please come in and talk to a Personal Banker today!

• Earn Interest
• Compounded Daily
• Paid Monthly

Community Bank's Business Premium Money Market Account allows you to earn a highly competitive rate of interest on funds not currently in use in your business. You have complete access to your funds at any time by writing a check. Your account will earn market interest rate on all funds above our low balance requirement*. If your account maintains the minimum required balance, you will not be charged a maintenance fee. If your balance falls below the requirement in any month, you will be charged a small fee.

• Competitive Rates
• Full Access
• Market Interest Rates
  

*Federal regulations permit transfers from a Money Market account to another account or to third parties by pre-authorized, automatic, or telephone transfers and are limited to six per statement cycle with no more than three by check draft, debit card, or similar order to third parties