Business Banking Services
Offering Business Analysis Business Advantage Business Value Community Checking Free Online Banking 
Free Online BillPay Free for 90 days Free for 90 days Free for 90 days Free for 90 days Image Statement Check Safekeeping Other Information An earnings allowance rate established by M&S Bank and applied to an adjusted account balance is used to offset service costs and fees. This is not interest. 300 deposited items
and 125 debits per
statement cycleUp to 20 debits per
statement cycle at no
chargeThe account is designed
for Charitable, Philanthropic, and other community based
organizationsRequired Opening Deposit $100 $100 $100 $100 Minimum Balance None $10,000 minimum daily balance None $1,000 minimum daily balance Fees $16 monthly maintenance fee
$0.30 cost per deposit
$0.11 cost per deposited item
$0.15 cost per debit (items paid)$0.0000689 monthly rate times average monthly ledger balance charged for Analysis Assessment Fee (changes periodically)
$15 if balance requirement is not met $9.50 monthly maintenance fee, plus $0.35 per debit after 20 $5 monthly balance requirement fee, plus $0.10 per debit if balance requirement is not met Interest Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Offering NOW Account Savings Money Market Free Online Banking Free Online BillPay Free for 90 days N/A Free for 90 days Image Statement Other Information Available only to qualified proprietorships and not-for profit associations Limited transaction account, see disclosure below or in our brochure available at any location. Required Opening Deposit $1,000 $100 $2,500 Minimum Balance $2,500 minimum daily balance $500 minimum daily balance $5,000 minimum daily balance Fees $12.50 monthly balance requirement fee, plus $0.20 per debit $3 per withdrawal after 4 debits per quarter if minimum daily balance falls below $1,000 plus a $9 quarterly balance requirement if minimum daily balance falls below $500 $13 monthly balance requirement fee, plus $0.30 per deposit, $0.15 per debit and $0.11 per item deposited Interest Interest Bearing Interest Bearing Interest Bearing
Money Market and Savings Transaction Disclosure: Transactions are limited to six debits per month and include pre authorized individual or automatic transfers, tranfers by telphone instruction, by paper or electronic checks to third party, and by debit card or similar order including point-of-sale transactions. The charge for exceeding this limit is $5.00 per item. Withdrawals and transfers you make in person at M&S Bank, by mailed instruction, by online banking between a depositors own accounts, and by ATM are unlimited.With our Treasury Management product we have the solutions you need to help run a successful business, and best of all they are all located in our online banking product so one login to access them all!
Online Banking
24 x 7 access to your account information including, balance, items that have posted to your account, images of checks that have cleared, the ability to transfer, and more.
Corporate Cash Management*
Add on features to our Online Banking product that include Domestic Wires, ACH (origination), Employee Payroll (via Direct Deposit and Tax Payments.
Commercial Check Express (CCX)*
Do you have minimal cash deposits and no time to get to the bank? Our CCX product might be a product for you. We provide you with the solution allowing you capture and transmit your deposits without having to leave your office. There is also an extended cut-off! Make multiple deposits throughout the day, eliminates the manual process of copying the checks at the copier and the ability to export into your accounting system. You have access to 24 months worth of information and it is then archieved for 7 years.
M&S Lockbox*
Do you have the need to collect a large number of payments on a reoccuring basis? Our lockbox product might be a product for you. With M&S Lockbox we provide you with a local PO Box address that your payments are sent to, we this process your payments and provide you with a daily download of the deposit information that can be imported into your accounting system.
* Contact your M&S Banker today to find out more details and specific fees associated with these features.
