BUSINESS CHECKING AND SAVINGS

Local Bankers with Checking for Local Businesses


BUSINESS CHECKING

  • 100 transactions per month at no charge.
  • Maintain a monthly average balance of $10,000 or more to waive the monthly fee of $15.

BUSINESS POWER CHECKING

  • 400 transactions per month at no charge.
  • Maintain a monthly average balance of $10,000 or more in your checking account or $25,000 or more in your MMDA, and we’ll waive the monthly $25 fee.

NON-PROFIT CHECKING – FEATURING NO MONTHLY FEE

  • No monthly service fee with just a $500 daily balance maintained.

LAWYER ACCOUNT (IOLA) – A SAFE PLACE FOR YOUR CLIENTS’ MONEY

  • Deposit client escrow money into an IOLA, an interest-bearing account. We’ll send the interest minus the monthly fees to the New York State IOLA Fund.

BUSINESS SAVINGS – MAKING YOUR ASSETS GROW
MONEY MARKET DEPOSIT ACCOUNT

  • Maximize your cash flow while investing surplus funds—earn higher interest as your balance grows.
  • Open with a deposit of $2,500 or more.
  • Interest is computed daily and credited monthly.
  • Transfer funds by phone or the Internet at your convenience.
  • Always have easy access to your funds.

STATEMENT SAVINGS ACCOUNT

  • Interest is calculated and compounded quarterly.
  • A minimum balance of $500 must be maintained to earn interest, or a $3 monthly fee applies.
  • Maintain your records and statement is provided quarterly.

OTHER SAVINGS SERVICES

  • Certificates of Deposit
  • Individual Retirement Accounts

ADDITIONAL SERVICES – TO HELP YOU WORK SMARTER

  • Online Banking & Bill Pay
  • Automatic Direct Deposit
  • Secure Night Depository
  • Coin and Currency Exchange at no charge when you call ahead.
  • Visa Check Card
  • Merchant Credit Card Deposits
  • Domestic and Overseas Wire Transfers
  • Safe Deposit Boxes
  • 24-hour Teller-Phone Banking
  • Electronic Transfers via Automated Clearing House
  • Certificates of Deposit
  • Individual Retirement Accounts (IRAs)
  • Simplified Employee Pension Plans (SEPS)
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Orange Bank and Trust has a heritage and tradition of community banking for over 125 years. Our local bankers are at your service for all your financial needs whether you’re running a business or a family.

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