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 which provides all the right answers...and delivers impeccable banking services for your total financial needs. 

Requirements

• Minimum Opening Deposit $100.00
• Electronic Statements Required

Fees

• No monthly maintenance fee
• Per check charge over 50 - $0.50

Features / Benefits

• No minimum balance
• Free Business Debit Card (with approval)
• Free Internet Banking
• Free Image Statements (24 per page) 

  Look at your statement and see just how much Phenix-Girard 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 to Avoid Service Charge $2,500.00

Fees

• Monthly Maintenance Fee if Below Minimum $5.00
• Per check charge over 100 - $0.25

Features / Benefits

• Free Business Debit Card (with approval)
• Free Internet Banking

• Free Image Statement

 

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 Maintenance Fee $6.00
• ACH Charges $0.50
• Checks Paid $0.11
• Deposits Posted $0.06
• Items Deposited $0.06

Features / Benefits

• Free Business Debit Card (with approval)
• Free Internet Banking
• Free Image Statement

The earnings credit is based on Phenix-Girard’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. 

 

Money Market Savings

• Minimum Opening Deposit $2,500.00 
• Minimum Daily Balance Requirement $2,500.00 
• Monthly Maintenance Fee If Below Minimum $8.00 
• Check/Debit Charges $7.50 after 6 
• Interest Earnings 
-Calculated Daily Balance Method 
-Paid Monthly

• Combined Statement Included

 

Statement Savings

• Minimum Opening Deposit $300.00 
• Minimum Daily Balance Requirement $300.00 
• Monthly Maintenance Fee If Below Minimum $5.00 
• Check/Debit Charges $3.00 after 3 
• Interest Earnings 
-Calculated Daily Balance Method 
-Paid Quarterly 

• Combined Statement Included