Business Checking

Account TypeSmall Business Checking*Commercial Checking*Money Market Plus*

Minimum to Open




Monthly Service Charge




How to Avoid the Monthly Service Charge



Maintain a Minimum Daily Balance of $1,000.00

Cost Per Debit Item (Paper or Electronic)

  • $0.12 up to 200 items
  • $0.25 > 200 items

(Physical Debits Only)

  • Unlimited Over-the-Counter Withdrawals
  • Limited to Six Withdrawals by Check and or Automatic Transactions per Month***

Cost Per Credit Item
(Paper or Electronic)

No Charge

Cost Per Transit Item


Earnings Credit Available****

Yes, Earnings Credit May Reduce or Offset Fees

Yes, Earnings Credit May Reduce or Offset Fees


Interest Paid



Yes, Tiered Interest Paid on All Balances

BusinessNET (Business Online Banking)

Basic BusinessNET Available at No Charge

Business Bill Pay

$10.00 Monthly Service Charge

*Accounts subject to deposit account approval. **Businesses qualifying as a 501(c)3 registered non-profit group or organization are eligible for monthly service charge waiver. Subject to proper approval. ***You may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. This includes preauthorized/automatic internet, telebanc or telephone transfers. ****Earnings Credit: Charges incurred during the monthly statement cycle may be reduced or eliminated by an earnings credit. The earnings credit is calculated by multiplying the average account ledger balance less the reserve requirement by the stated Bank rate in effect for the month divided by the number of days in the statement cycle. 

Business Debit Cards

Tied to your Croghan business checking account, EMV Debit Cards are easy to use at Point-of-Sale (POS) and ATM terminals.
The technology of the chip enabled EMV Debit Cards increase security and minimize fraud.

Croghan At Work

Croghan At Work is a benefits program that you as an employer can offer to your employees. The core of the program includes a Comprehensive Financial Review and the establishment of a new checking account for your employees. We then customize the benefits program for each of your employees to fit their financial situation and goals. 


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