• Business Interest Checking
• Free Small Business Checking
• Business First Checking
• Business Savings
• Brochure
• Switch Kit

Business Interest Checking
If you want to earn interest on the money you have in your checking account, and you qualify as one of the following: a sole proprietor, husband/wife unincorporated business, non-profit or other special designation, then our Business Interest Checking account may be the best fit for you.

Features:

• Minimum to open $200.00.
• Interest-bearing account limited to eligible entities, including:
  • Sole Proprietors,
  • Husband/Wife operating unincorporated business,
  • Charitable/Religious Organizations,
  • Non-Profit Corp.,
  • Labor Unions,
  • Local Housing Authorities,
  • National, State, and Local Governments,
  • Pension Funds,
  • Redevelopment Authorities,
  • Residential Tenant's Security Deposits,
  • Trade Associations.
• Monthly service fee $10.00.
• $0.15 per debit/check charge.
• Earnings credit analysis applied to service charge.
• Check safekeeping.

Benefits:

• Account works for any size business as long as they meet legal requirements.
• Save money on service charges through earnings credit analysis.
• Makes money through interest earnings.
• Low opening balance.

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Free Small Business Checking * Up to 200 items
Our Free Small Business Checking account is customized to the needs of our small business customers.

Features:

• Customized for the small business.
• Minimum to open $200.00.
• No minimum balance required.
• 200 debit or credit items per month;
  $0.25 for every item over 200.
  • Items include:
  • ACH Debit or Credit,
  • deposited items (including deposit slip),
  • check items,
  • and ATM withdrawals.
• FREE Lincoln Online Bill Pay.
• Check safekeeping.
• Check images available for $3.00/month.
• Monthly statement.
• Free Lincoln Online Banking access.
• Lincoln Work Plus.

Benefits:

• Simple, easy to understand and really tailored for the small business owner.
• Inexpensive - saves money for businesses that do not benefit from earnings analysis.

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Business First Checking
Our Business First Checking account is designed for businesses with high volume deposits and debit/check items. If your business processes more than 200 checks deposited or written each month, then this is the account for you. Our analysis structure is straightforward with very competitive pricing, and your balance may offset any accrued charges.

Features:

• Minimum to open account is $50.00.
• Non-interest bearing account for high volume business customers.
• Monthly service fee of $10.00.
• Per debit/check item fee of $0.15.
• Per deposit fee of $0.20.
• Per deposited item fee of $.012.
• Per ACH Debit or Credit fee of $0.12.
• Earnings credit analysis applies to offset service charges
  (Determined monthly and tied to the fed funds rate).
• Check safekeeping.
• Free Lincoln Online Banking and Bill Pay.
• CD Rom of cancelled checks, statements, deposit tickets, and available for $15 per month.

Benefits:

• Account designed for business with high volume of deposits and debit/check items.
• Monthly service fee of $10.00 is very low compared to many competing banks.
• Save money and minimize your service charges through the earnings credit analysis.
• Check imaging makes statement reconciling easy and convenient.
• Safe and easy access to account activity and permanent storage requiring minimal space.

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Business Savings
Our Business Savings account is designed to help customers earn interest on cash their businesses may not need for a period of time. The account has a low minimum to open, a low service fee, and the fee can easily be avoided by maintaining an ultra-low average monthly balance of $200.

Features:

• Minimum to open account is $25.00.
• Monthly service charge is $2.00.
• Minimum balance to avoid service fee is $200.00.
• Minimum daily balance to earn interest is $1.00.
• Variable interest rate may change at any time.
• Daily balance method is used to calculate the interest on the account.
• Four withdrawals per month free of charge ($5.00 fee for each withdrawal over four).
• Interest is compounded at calendar quarter, and credited to account at calendar quarter.
• Quarterly statement or combined monthly with checking.
• Direct deposit/automatic withdrawal (for bill payment-will generate a monthly statement) is available.
• Can receive electronic deposits.
• Can view balance online with FREE Lincoln Online Banking.

Benefits:

• Maximize earnings with a competitive, flexible rate that varies with market conditions.
• Convenient access to funds. Access funds through your debit card if you also have a Lincoln Bank Business Checking account.
• Flexibility - Low minimum balance required to avoid service charge and still earn interest.

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