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Business Checking Comparison Chart

Business Checking Comparison Chart


Checking Features

Business Exceptional Checking

Business Value Checking

Analyzed Business Checking

Performance Business Checking

Ideal for:

Small- to medium-sized businesses with high checking activity

Small businesses with moderate checking activity

Businesses with higher transaction activity and or utilizes Cash Management services

Sole proprietors, fiduciaries, certain non-profit organizations

Minimum Opening Deposit

$0

$0

Varies

$750

Minimum Balance

$10,000 minimum combined balance in qualifying deposit accounts

None

None

$1,500

Monthly Service Charge

$20

(if minimum combined balance is not maintained)

None

$12.50 monthly maintenance fee plus other fees (Earnings credit allowance may offset fees)

 

$9
(if minimum balance is not maintained)

Interest Earning

No

No

No

Interest compounded daily and paid monthly

Statements Issued

Monthly

Monthly1

Monthly

Monthly

Other Features

First 325 items processed at no cost per statement period2

First 100 items processed at no cost per statement period2

An earnings credit allowance is calculated each statement period and used to offset applicable account analysis and Cash Management fees

First 100 items processed at no cost per statement period2

Checking Features

Business Exceptional Checking

Business Value Checking

Analyzed Business Checking

Performance Business Checking

Ideal for:

Small- to medium-sized businesses with high checking activity

Small businesses with moderate checking activity

Businesses with higher transaction activity and or utilizes Cash Management services

Sole proprietors, fiduciaries, certain non-profit organizations

Minimum Opening Deposit

$0

$0

Varies

$750

Minimum Balance

$10,000 minimum combined balance in qualifying deposit accounts

None

None

$1,500

Monthly Service Charge

$20

(if minimum combined balance is not maintained)

None

$12.50 monthly maintenance fee plus other fees (Earnings credit allowance may offset fees)

 

$9
(if minimum balance is not maintained)

Interest Earning

No

No

No

Interest compounded daily and paid monthly

Statements Issued

Monthly

Monthly1

Monthly

Monthly

Other Features

First 325 items processed at no cost per statement period2

First 100 items processed at no cost per statement period2

An earnings credit allowance is calculated each statement period and used to offset applicable account analysis and Cash Management fees

First 100 items processed at no cost per statement period2


Benefits

Business Exceptional Checking

Business Value Checking

Analyzed Business Checking

Performance Business Checking

Business Debit MasterCard®

Free,with MasterCard Easy Savings® program

Free,with MasterCard Easy Savings® program

Free,with MasterCard Easy Savings® program

Free,with MasterCard Easy Savings® program

ATM Access

No CPB ATM transaction fees when you use any ATM worldwide3

ATM surcharge rebate when you use any ATM in Hawaii and on the mainland3,5

No CPB ATM transaction fees when you use CPB ATMs3,4

No CPB ATM transaction fees when you use CPB ATMs3,4

No CPB ATM transaction fees when you use CPB ATMs3,4

Checks and Deposit Slips

$50 off one check order every year6

$25 off one deposit slip order every year6

 

$25 off your first order of checks or deposit slips6

   

Other Benefits

No Incoming Wire Transfer fees

Waived or discounted application fee on select business loans and lines of credit7

No Incoming Wire Transfer fees

Waived or discounted application fee on a Business ExpressLine of Credit7

   

Benefits

Business Exceptional Checking

Business Value Checking

Analyzed Business Checking

Performance Business Checking

Business Debit MasterCard®

Free,with MasterCard Easy Savings® program

Free,with MasterCard Easy Savings® program

Free,with MasterCard Easy Savings® program

Free,with MasterCard Easy Savings® program

ATM Access

No CPB ATM transaction fees when you use any ATM worldwide3

ATM surcharge rebate when you use any ATM in Hawaii and on the mainland3,5

No CPB ATM transaction fees when you use CPB ATMs3,4

No CPB ATM transaction fees when you use CPB ATMs3,4

No CPB ATM transaction fees when you use CPB ATMs3,4

Checks and Deposit Slips

$50 off one check order every year6

$25 off one deposit slip order every year6

 

$25 off your first order of checks or deposit slips6

   

Other Benefits

No Incoming Wire Transfer fees

Waived or discounted application fee on select business loans and lines of credit7

No Incoming Wire Transfer fees

Waived or discounted application fee on a Business ExpressLine of Credit7

   

Enhancements

Business Exceptional Checking

Business Value Checking

Analyzed Business Checking

Performance Business Checking

Business Online Banking with Unlimited Bill Pay

No Charge

No Charge

N/A

No Charge

Business Online Banking with ACH

No Charge

$.50 per ACH Transaction

Refer to iBusiness Central

$.50 per ACH Transaction

iBusiness Central

(Commercial Online Banking)

N/A

N/A

Available

N/A

Infoline Telephone Banking

Free

Free

Free

Free


Enhancements

Business Exceptional Checking

Business Value Checking

Analyzed Business Checking

Performance Business Checking

Business Online Banking with Unlimited Bill Pay

No Charge

No Charge

N/A

No Charge

Business Online Banking with ACH

No Charge

$.50 per ACH Transaction

Refer to iBusiness Central

$.50 per ACH Transaction

iBusiness Central

(Commercial Online Banking)

N/A

N/A

Available

N/A

Infoline Telephone Banking

Free

Free

Free

Free

1. A paper statement fee of $10.00 will be charged per statement period. This fee is waived for the first calendar month in which the Account is opened. For subsequent months, the fee can be waived in one of three ways: 1. Enroll in Online Statement service through Online Banking, or 2. Link your Business Value Checking to a Business Exceptional Plan, or 3. Maintain an average balance of $5,000.00 or more during the statement period. The average balance is calculated by adding together the ending balances from each day during the statement period and dividing the total by the number of days in the statement period.

2. Qualifying accounts must be in the name of the business.


3. Non-CPB ATMs may impose surcharges that are separate from and in addition to our Non-CPB ATM Transaction Fees and should disclose their surcharge fee at the beginning of the transaction.

4. Transactions made at non-CPB ATMs are subject to our Non-CPB ATM Transaction Fees.

5. We will reimburse you up to $4 per transaction for ATM surcharges from other banks and ATM operators incurred on your Business Exceptional Checking account for ATM usage nationwide.

6. Place order at branch for discount.

7. On approved credit. Waived up to $125 for all scored business credit products - Business Express Loan, Business Express Line of Credit, Professional Express Line or Professional Express Loan.