Business Banking Services - NSB, Vermont - banking financial services, business banking

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		Resources for Business

Choose the account that's right for your business!

	Business Checking		Business Savings
	Small Business Checking		Super NOW Business Checking
	The Organizational Omni
	Commercial Money Market Checking		NSB Community 150
	IORTA		IOLTA

Service Charges effective August 3, 2009

NSB's checking accounts for business offer:

Business Debit Cards for easy access
Access to 24-hour PhoneBank
Online Account Access via eNSB
Low service charges
Earnings credits for corporations
Monthly interest for nonprofits and sole proprietorships
$50 minimum to open

Choose the account that's right for you, based on the number of checks you write and deposit, and your average balance. Interested in a more sophisticated solution?

Check out our Commercial Money Management System.

Business Checking

You can get earnings credits on your balance

Since corporations can't earn interest on their checking accounts, we offer earnings credits to offset service charges. This account offers an earnings credit for every $100 of the average collected balance. The earnings credit amount is set per market rates, and no minimum balance is required to earn it.

Contact a commercial lender or branch manager for the latest earning credits rate.

Service Charge	$6.00 per month
Per Check Charges:	$0.14 per item processed
	$0.12 per check deposited

Business Savings

A savings account just for businesses, non-profits, and organizations. The tiered interest rate structure means the more you save, the more you earn.

Service Charge	$2.50 per month, waived if average daily balance is $500 or more.
Per Item Fee:	Items deposited in excess of 20 per statement cycle will result in a $.40 per item charge

Small Business Checking

A free account for small business

NSB recognizes the different financial needs of our small business customers. No minimum balance required, no monthly service charge, and no charge for the first 200 items deposited or checks written.

Per Item Charge in excess of prepaid items: $.40

Super NOW Business Checking

For sole proprietors and non-profits, this checking account earns interest!

This type of account is available to sole-proprietorships, social groups and non-profit organizations. Interest is compounded daily and credited monthly.

Interest is earned every day that your balance is $500 or greater.
View the current rates.

Service Charge	$6.00 per month
Per Check Charges:	$0.14 per item processed
	$0.12 per check deposited

The Organizational Omni

Premium rates and ready access for higher balances

If your organization can maintain a high balance, The Organizational Omni may be right for you. This account gives sole proprietors, non-profit organizations and social groups the opportunity to invest their funds at premium-quality rates and have ready access.

Per Check Charges:

$0.14 per item processed
$0.12 per check deposited

Minimum to open is $50.00. Service charge of $10 per month if your average daily balance drops below $10,000. Your balance can fall below the minimum during the month without resulting in charges as long as you maintain the required average balance. Interest is not paid on days when the account balance falls below $5,000.

View current rates >

Commercial Money Market Checking Account

Earn interest every day that your balance is $2,500 or greater. Unlimited withdrawals may be conducted in person or via ATM
View the current rates.

Minimum to open	$2,500
Service Charge	No monthly service charge
Per Check Charges:	Items deposited in excess of 20 per statement cycle will result in a $0.40 per item charge.
Transaction limits	Only six (6) preauthorized transfers are permitted per statement cycle. $5.00 per check fee for each check written over 3 per month.

NSB Community 150

At NSB, we support the work of non-profit community organizations by providing affordable checking services. The first 150 transactions per month are free (checks written or deposited) and there is no minimum balance required.

Service Charge:	No monthly service charge
Per Check Charges:	First 150 are free, then $0.15 per item (written or deposited)

View current rates >

IORTA Checking Account

This is a specialized account designed for real estate firms that hold money in trust for their clients. By special agreement, a real estate firm is allowed to have an interest bearing account for trust funds, provided that the interest is paid to the Vermont Housing Finance Agency. There is no minimum balance required and no monthly or per item service changes.

View current rates >

IOLTA Checking Account

This specialized account was designed for law firms that hold money in trust for their clients. By special agreement, a law firm is allowed to have an interest bearing account for trust funds, provided the interest is paid to the Vermont Bar Association. There is no minimum balance required and no monthly or per item service charges.

View current rates >