Phone: (940) 591-1200

Business Plus Checking

The Business Plus Account is an additional account option that provides tiered interest earnings that increase as your balances grow. The low monthly service charge can be avoided when you maintain minimum balances per statement cycle. Online banking and bill payment are provided for your convenience.

Summary

• Monthly Service Charge $ 15.00

Avoid the monthly service charge by making or maintaining:

A minimum daily balance of $ 3,000.00

OR

An average daily balance of $ 5,000.00

• Interest is paid3 in balance tiers as follows:

- Balances of $1,000 to $24,999.99

- Balances of $25,000 or greater (See Rate Sheet for Details)

More Information

• Minimum to Open - $ 100.00

• Debits and Credits – First 200 - No Charge

• Debits and Credits - Greater than 200 items - See Fee Schedule

• e-Statements - No Charge

• Paper Statements with Check Images - See Fee Schedule

• Online Banking - No Charge

• Bill Payment1 - No Charge

• Overdraft Privilege2 - $ 1,500.00


Note: An inactivity fee is assessed on accounts that are inactive for a period of 90 days and balances fall below $50.00. An Inactive Account is defined as an account that has no "customer-initiated" transaction activity for a period of three (3) moths or 90 days.


1 Bill Payment is offered at no additional monthly or transaction cost unless you choose expedited processing which is billed at $14.95 per transaction. Please consult your enrollment agreement or an account representative for charges that may apply.

2 Overdraft Privilege is a discretionary service and is generally limited to an amount indicated by your product disclosure. You must choose to participate in this service by "opting in". If you are already participating in Overdraft Privilege, your limit will not change. Our normal fees and charges include our published overdraft fee or returned item fee as set forth in our fee schedule at $32.00. You may be charged up to five overdraft items or $160 per day from your checking account if you do not have sufficient collected funds to pay items that are presented on your account for payment. We reserve the right to require you to pay your outstanding overdraft (negative) balance, including fees we assess on your account, immediately or upon demand. We will charge our normal overdraft fee or returned item fee whether or not we approve an overdraft item for payment or return it unpaid. The complete Overdraft Privilege (ODP) Service Agreement was provided to you when you "opted in" to the service and you can revoke your participation at any time by calling (940)383-6200 – Option 1. You may access the full Agreement at www.nstarbank.com/overdraft-privilege-service-odp-agreement.html

3 Method of Pay Interest on Tiered Accounts: The interest rate disclosed based on your daily balance will be paid on the entire balance in your account for that day. Note that some accounts require minimum balances to accrue interest – see specific account disclosure for details. For example, a Business Checking Plus account with a balance of $30,000 will accrue interest on the entire balance at a rate of 0.12%.