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Home > Business Banking > Account Choices > Checking > Analyzed Business Checking
 

Analyzed Business Checking

Ideal for businesses with heavy transaction activity, or those using a broad range of Island services.

 
 
 

Find a branch |  Call (800) 848-5654, option 5

 
Rates effective

Category / Description
Amount
General All fees per each, unless otherwise stated
Earnings rate 0.65%
Borrowing rate 3.25%
Reserve requirement Waived
Monthly maintenance (per zero balance or analyzed account) $18
Monthly activity (per zero balance or Sweep account) $15
Deposits/Electronic Credits (each)
Deposit processing
Per check deposited - transit
Per check deposited - on us 		$1.25
$0.08
$0.08
Deposit correction $2
Returned item (paper or electronic) $15
ACH credit Waived
Checks/Electronic Debits (each)
Checks written
Paid through in-clearing
Cash paid at branch 		 
$0.12
$0.25
ACH debit $0.10
Non-sufficient funds (NSF) $26
Uncollected funds $26
Stop payment $20
Money order $2
Cashier's check $2
Collection item (incoming/outgoing)
Documentary 		Cost + $10
Cost + $50
Cash/Currency
Currency deposited/purchased (per $100) $0.20
Rolled coin deposited/purchased (per roll) $0.10
Bagged coin deposited (each) $3.50
Boxed coin purchased (each) $3.50
Other
Wire transfer
Incoming
Incoming fax wire notification
Outgoing ($50 minimum transfer)
International 		 
$10
$2
$25
$35
MyIsland Banking (online banking)
Online bill payment 		Fee-free
Fee-free
ACH file transmission (per file)
ACH item processing (per item) 		$10
$0.10
Courier/armored car service As quoted
Third-party services As quoted
Money Service Business $50/mo.*
   
*Businesses subject to compliance auditing or FinCEN regulations.  
See Also
You might also like a Business Savings account to save for unplanned expenses and special purchases while earning dividends.

Get Overdraft Protection for your checking through an Island Business Line of Credit, Savings, or Money Market Account.

 

Terms & Conditions

1 All ATMs in the Co-Op Network are fee-free to Island members. Co-Op is a nationwide network of over 28,000 ATMs owned by credit unions, including The Island, as well as participating 7-Eleven® store ATMs.
 

Based on the level of activity on your account, we reserve the right to convert your account to another type of checking. We will give you 30 days notice if we elect to convert your account.
 

Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.