OnPoint Business Checking

Business Checking Details
Account Features	Business Checking	Business Interest Checking	Analyzed Checking
Minimum Opening Deposit	$100	$0	$100
Minimum Balance to Avoid Monthly Service Fee	$0	$500 average monthly balance	Analyzed2
Monthly Service Fee	$0	$7	$103
Item Processing1	$0.10 per item (first 200 free)	$0.15 per item (first 200 free)	$0.15 per item3
Online Banking with Bill Payment	Free	Free	Free
Visa Debit Card for Business	Free	Free	Free
Statement Options	- Check safekeeping - Check images - Paper or eStatement - Detailed monthly statement	- Check safekeeping - Check images - Paper or eStatement - Detailed monthly statement	- Check safekeeping - Check images - Paper or eStatement - Detailed monthly statement
Special Account Features	N/A	- Available to all business ownership types - Tiered interest paid on account balance	N/A
1Includes checks deposited and checks paid. 2Monthly service fee and per item charges are calculated via account analysis. 3Earnings credit on ledger balances may offset monthly service fee and other charges.

If you request a substitute check, please read the Check 21 disclosure.

All our business checking accounts come with the following free services:

Online Banking
Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Visa® Check Card
Lets you get cash from almost any ATM and doubles as a debit card, which you can use everywhere Visa is accepted.

Account access at thousands of ATMs nationwide.
OnPoint offers access to over 37,000 surcharge free OnPoint, CO-OP and MoneyPass ATMs across the country.

Business Interest Checking Promotion1Rates Effective: September 1, 2009
	Deposit Amount	Annual Percentage Yield (APY
Business Interest Checking Promotion	$0 - $999.99	1.05%
	$1,000 - $4,999.99	1.05%
	$5,000+	1.05%
1APR=Annual Percentage Yield. Intoductory rate is available on new Business Interest Checking accounts only. Accounts must be opened between 9/1/09 and 9/30/10. Rate will remain effective for six months from the start of the account after which the rate will revert to the respective, standard Business Interest Checking rate. The introductory rate is available only to qualified business members of OnPoint and not other financial institutions. OnPoint reserves the right to limit any deposits or accounts of any member. All other standard Business Interest Checking account features and requirements apply.

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Business Checking RatesRates Effective: June 1, 2009
	Deposit Amount	Annual Percentage Yield (APY)
Business Checking	-	-
Business Interest Checking	$0 - $999.99	0.10%
	$1000 - $4999.99	0.10%
	$5,000+	0.15%