Clarkston State Bank
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Business Account Products and Services

Learn More About:

Checking Accounts
--------Basic Business Checking
--------Regular Business Checking
--------PerksPLUS Checking
Savings Accounts
--------Business Savings Account
--------Commercial Loans
Miscellaneous Fees
Extra Services

Basic Business Checking
  • Minimum Opening Deposit - $100.00
  • No monthly fees if you maintain an average daily balance of $2,000
  • $10.00 monthly fee if balance is not mantained
  • There is a $.30 per check fee if you write over 50 checks per monthly statement cycle.
  • Checks Safekept at Clarkston State Bank. If you would like your checks returned with your statement, there will be a $6.00 charge per month.

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Regular Business Checking
  • Minimum Opening Deposit - $100.00
  • Monthly fees of $15.00 per month and $.30 per check can be offset by an earnings credit.
  • The earnings credit is calculated using your average collected balance times a variable rate and applied against your monthly fee and per check fee at statement cycle time. Based on your average collected balance you may earn sufficient earnings credit to avoid all service charges.
  • Checks Safekept at Clarkston State Bank. If you would like your checks returned with your statement, there will be a $6.00 charge monthly.

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PerksPLUS Checking Account
  • Minimum opening deposit - $100.00
  • No minimum checking account balance requirements.
  • $15.00 monthly fee per month regardless of balance.

Other Features:

  • Free checking -  up to 200 checks per month
  • Line of Credit Overdraft Protection (subject to credit approval)
  • No per-item checking charges
  • Checks Safekept at CSB
  • Free deposits whether cash, coin or checks.
  • Free personal checking for all employees of the business

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Business Savings Account
  • Minimum Opening Deposit - $1,000.00
  • No monthly fees
  • If an average daily balance of $1,000 is maintained, the account earns a variable rate of interest on the entire balance, compounded and paid monthly on a tiered rate schedule based on balances.
  • Interest will not be paid or accrued if the average daily balance falls below $1,000.00
  • Pre authorized, automatic or telephone transfers are limited to 6 per month

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Commercial and Industrial Loans
Loans for working capital, term loans for equipment, SBA loans and investment lines are available based on the financial history of the borrower and the value of collateral pledged to secure the advances. Unsecured loans for business purposes are also available to customers with a long-standing relationship with the bank. Interest rates and terms are determined at the time of application.

Competitive Rates are available on the following loan products:

  • Lines of Credit
  • Equipment Financing
  • Commercial Real Estate
  • Construction Loans
  • Letters of Credit

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Extra Services
  • FREE Night Deposit Service
  • FREE Night Deposit Plastic Security Bags
  • FREE Coin Orders
  • No monthy fees for Non-Profit and Association Accounts
  • 24/7 Telephone Banking Service
  • Courier Service (we send a courier over to your business to pick up deposits)

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Copyright 1999-2000. Clarkston State Bank. All Rights Reserved.