Business Checking	Business NOW Checking	Analyzed Business Checking
Best For:	Small to medium sized businesses with moderate transaction activity levels	Sole Proprietorships or non-profits with moderate transaction activity levels	Businesses who have multiple accounts with Excel and want to take advantage of our premium services
Minimum opening deposit	$500	$2,000	N/A
Earns Interest	No	Yes, see Current Rates	Yes, see Current Rates
Monthly Service Fees	$15 / month	$15 / month	See Below
Service Fee Waived by	1. Maintaining a minimum daily balance of $2,500 or 2. An average collected balance of $3,000	1. Maintaining a minimum daily balance of $2,500 or 2. An average collected balance of $3,000	Charges to this account are based on the offset of services rendered by the account earnings credits for the month.
Account features	Can be linked to our cash management services for online access to balances, checks paid, wires and ACH Complimentary Excel National Bank Business VISA® Debit cards
Monthly Transaction Levels	First 150 checks or other debits per month no charge—each check over 150 is $.30 per item. First 100 deposited items deposited per month no charge—each item deposited over 100 is $.10	First 150 checks or other debits per month no charge—each check over 150 is $.30 per item. First 100 deposited items deposited per month no charge—each item deposited over 100 is $.10	Suits accounts with high volume needs
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Business Solutions > Business Accounts > Business Interest Bearing Account Options

Fees and withdrawals could reduce the earnings on accounts.

	Premium Business Money Market	Business Savings	IOLTA Account	Business Certificate of Deposit
Best For:	Businesses who want to earn higher interest rates on higher balances and can limit transactions	Businesses who wish to consistently save money for unexpected expenses or special purchases	Legal professionals who need an account that meets the requirements set by the California State Bar	Businesses who wish to earn higher interest on funds that are deposited for fixed 3, 6 or 12 month terms
Minimum opening deposit	$ 1,000	$ 2,500	$ 2,000	$ 10,000
Monthly Service Fees	$20 / month	$10 / month	None	None
Service Fee Waived by	Maintaining a minimum daily balance of $10,000	Maintaining a minimum daily balance of $2,500	N/A	N/A
Earns Interest	Yes, See Current Rates	Yes, See Current Rates	Yes at least 68% of Fed Fund Target Rate	Yes, See Current Rates
How interest is paid	Compounds daily, posted at end of month	Compounds daily, posted at end of month	Compounds daily, posted at end of month, and remitted to state of California quarterly	Interest compounds daily and credits at maturity unless an interest disbursement instruction has been selected
Access to Funds	May have up to six (6) debits a month including checks.	May have up to six pre-authorized debits (ACH, Wires, Online Transfers) per month	Unlimited check writing privileges and deposits	Funds available after fixed 3, 6 or 12 month term has expired. A penalty may be imposed for early withdrawal
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