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Business Checking

Commercial Gold Analysis

Ideal for businesses and companies with a high number of checking and deposit transactions, this account allows customers with high balances to earn credit allowances to offset fees and service charges.  The minimum opening balance is $100. Maintenance fees are $10 per month. There is a $.15 fee for each deposit or withdrawal and a $.07 fee for each item deposited. All fees will be on an analysis basis with credit allowances being made for collected balances at the appropriate interest rate. Multiple accounts can be combined to provide streamlined reporting. Commercial Gold Analysis offers free 24-hour telephone banking,  free internet banking and a free debit card.

Money Market Gold

This Covenant Bank high-yielding interest-bearing checking account is available to anyone. It requires a minimum deposit of $2,000 and is for customers who want to earn higher interest yet maintain immediate check writing ability. Money Market Gold tiered interest rates are extremely competitive. Please select the rate tab for the listing of the tiers.  Six free checks are permitted per cycle, after which a $5 per check fee applies. There is no service charge on balances above $2,000. Monthly service charges of $10 apply for balances under $2,000.

Preferred Business Checking

Ideal for small business customers, start up businesses and sole proprietors if for business purposes. Open with a $100 deposit. No monthly maintenance fee and 500 posted items per statement cycle without a per item fee. (500 items include, deposits, checks, deposited items, misc debits and credits, ach items, and debit card transactions). Any items over 500 will be accessed a $ .45 per item fee.

• 5 free Business debit cards per account- $5.00 per card over 5 issued.
• First year rental for New Safe deposit box will be reduced by half (fee depending on box size).
• Two (2) free Night Deposit bags per account.
• Free regular internet banking.