Checking

We hope you find our accounts and financial services comprehensive and our service in the delivery of these accounts to be impeccable. It is our goal to tailor the right solution to meet your specific banking needs: from daily money management to retirement planning, loan needs and more. Please let us know how Phenix-Girard Bank can best serve you, every step of the way.

 

Basic Small Business Checking

The Basic Small Business Checking from Phenix-Girard Bank offers you the best in business checking with the possibility of no monthly maintenance fee. If you own your own business, you know the value of having a banking relationship that provides all the right answers and delivers impeccable banking services for your total financial needs. 

Requirements

• Minimum Opening Deposit $100.00

Fees

• Per check charge over 50 per statement cycle - $0.50
• Paper Statement Charge - $2.50

Features / Benefits

• No Minimum Balance
• Business MasterMoney Debit Card (with approval)
• Online and Mobile Banking
• Electronic Statement, if requested (12 images per page)
• Three (3) Inquiry calls at no charge per statement cycle

 Look at your current statement and see just how much Phenix-Girard Bank can save you on your small business checking. Then open your small business checking account with us.  

Small Business Checking

Requirements

• Minimum Opening Deposit $100.00
• Minimum Daily Balance Requirement $2,500.00

Fees

• Monthly Service Charge if requirements are not met - $5.00
• Per check charge over 100 per statement cycle - $0.25
• Paper Statement Charge - $2.50

Features / Benefits

• Business MasterMoney Debit Card (with approval)
• Online and Mobile Banking
• Electronic Statement, if requested (12 images per page) 
• Three (3) Inquiry calls at no charge per statement cycle

 

 

 

Commercial Checking

This is the account for our businesses that maintain a high average balance. It features an earnings credit which is calculated on the loanable balance. If the credit equals or exceeds the charges on the account, no monthly service charge is assessed. Should the charges exceed your earnings credit you will be charged the difference as your service charge. 

Requirements

• Minimum Opening Deposit $100.00

Fees

• Monthly Service Charge $6.00
• ACH Charges $0.50
• Checks Paid $0.11 each
• Deposits Posted $0.06 each
• Items Deposited $0.06 each
• Paper Statement Charge $2.50

Features / Benefits

• Business MasterMoney Debit Card (with approval)
• Online and Mobile Banking
• Electronic Statement, if requested (24 images per page)
• Three (3) Inquiry calls at no charge per statement cycle

The earnings credit is based on Phenix-Girard Bank's Money Market interest rate. The charge on negative balances is based on prime rate as published in the Wall Street Journal plus two (2) percent.