Analyzed Accounts

Business Analyzed Checking

This account is for businesses with special servicing requirements, higher-than-average volumes and collected balances exceeding $30,000. You can reduce or eliminate monthly service fees with an earnings credit analyzed on a monthly basis.

Additional product information and details for Analyzed Checking

Small Business Analyzed Checking

Small business customers with commercial services needs who want the flexibility to choose value added cash management services specific to their business needs.

Additional product information and details for Small Business Analyzed Checking

Analyzed Commercial Market Fund

An easily accessed high-yielding deposit account, combined into the corporate analysis for added value on balances.

Additional product information and details for Analyzed Commercial Market Fund

	Small Business Analyzed Checking	Analyzed Checking	Analyzed Commercial Market Fund
	Small business customers with commercial services needs who want the flexibility to choose value added cash management services specific to their business needs. Ideal for customers with balances of $50,000 to $250,000.	For businesses using certain Treasury Management Services and with higher than average volumes and collected balances.	An easily-accessed, high-yielding deposit account, combined with the corporate analysis for added value on balances. For customers with a combined balance of $100,000 in an analyzed checking and a commercial market fund, the market fund may be added to a relationship analysis.
Earns Interest¹	No	No	Yes - Tiered Rates
Available Features	WTB Online (Cash Management) and WTB Mobile with iPad app. Remote Deposit Capture Small Scanner Package (ChecXpress, single fee, drop scanner included) Unlimited Bill Pay Remote Deposit Anywhere (Mobile Capture on case by case basis) Fraud Protection Services: ACH Positive Pay and Reverse Positive Pay Merchant services application fee waived.	WTB Online (Cash Management) and WTB Mobile with iPad app. Automatic funds transfer overdraft coverage and sweep transfer set-ups.	WTB Online (Cash Management) and WTB Mobile with iPad app, if linked to an eligible account. Automatic funds transfer overdraft coverage and sweep transfer set-ups.
Monthly Base Fee In Service Charge¹	$30.00 Bundled Package Offer	$12.00	$12.00
Other Fees²	Per Check / Debit Paid - First 100 at no charge, after which: $0.18 Per Deposit Paid - First 10 at no charge, after which: $0.30 Per Check Deposited: WTB item: No Charge Non-WTB item: $0.11 Canadian item: $0.11 ACH Credit - First 50 items at no charge, after which: $0.13 Per ACH Debit - First 50 items at no charge, after which: $0.13 Per Deposited Item Returned: $9.00 Special Handling $10.00 per month minimum. Paper Statement Fee: $3.00	Per Check / Debit Paid: $0.18 Per Deposit: $0.30 Per Check Deposited: WTB item: $0.10 Non-WTB item: $0.11 Canadian item: $0.11 Per ACH Credit / Debit: $0.13 Per Deposited Item Returned: $9.00 Special Handling $10.00 per month minimum. Deposit Coverage: Current Rate Paper Statement Fee: $3.00	Per Check / Debit Paid: $0.18 Per Deposit: $0.30 Per Check Deposited: WTB item: $0.10 Non-WTB item: $0.11 Canadian item: $0.11 Per ACH Credit / Debit: $0.13 Per Deposited Item Returned: $9.00 Special Handling $10.00 per month minimum. Deposit Coverage: Current Rate Transaction limitation³ fee applies.
Charges Offset by Earnings Allowance	Earnings credit allowance calculated on collected balances. (SBA is package product with a separate earnings allowance. It should not be combined with other analyzed checking accounts for account aggregation to offset fees)	Yes, premium earnings credit allowance calculated on collected balance. (Allow multiple analyzed checking and money market products to be linked for earnings analysis)	Yes, premium earnings credit allowance calculated on collected balance.
Additional Components	Small Bus Wire Module: $20.00 Small Bus ACH Module: $20.00 Positive Pay: $35.00 Wire Services: Fees vary by type of wire and delivery channel	WTB Online Bus Module: $35.00 WTB Online ACH Module: $30.00 Positive Pay: $35.00 RDC Scanner Packages: $29.50 - $80.00 a month (based on volume/usage) Wire Services: Fees vary by type of wire and delivery channel	Wire Services: Fees vary by type of wire and delivery channel

Certain other expenses may be applied to Analyzed Accounts. Excess earnings allowance on any commercial market fund may be used to offset service charges in the deposit relationship. For more information, call your banker. Interest is calculated each day on the entire collected balance and the rate paid is determined by the tier. Charges can be offset with earnings allowance established by the bank and calculated on collected balances.
Service cancellation within the first 2 years will result in an early cancellation fee of $250.
Transaction Limitation: Transfers and/or withdrawals from your money market or savings account conducted in person at any branch, by mail or by ATM are unlimited. All other transfers including telephone transfers, online transfers, overdraft or minimum balance coverage, pre-authorized debits, point of sale purchases, and checks are limited to six withdrawals per calendar month or statement cycle (a period of at least four weeks). Your individual four-week period starts at the beginning of each statement cycle (if you receive statements monthly) or the calendar month (if you receive statements quarterly). We are required by law to ensure that you comply with this limit. If you exceed this limit after we have notified you of a violation, the Bank must change your account to discontinue the automatic services, close, or reclassify the account.

Please refer to the list of Business Banking Account Services Fees and Charges and the Commercial Services Price List for additional fees which may apply to these accounts.