Business Checking

Account Fees and Features effective Monday, February 06, 2012

Fees and terms are subject to change without notice.

Business Checking
	Free Business Checking (100 Items or Less)	Advantage Business (200 Items or less)	Premium Business Checking (Over 200 Items)
Monthly Maintenance Fee	No Monthly Fee	$12.00/mo. (Waived if $2,500 avg. Balance Maintained)	$12.00/mo.
Item1 Fees	First 100 items/mo. Free, $0.50/item thereafter	First 200 items/mo. Free, $0.50/item thereafter	$0.15/item
Cash Deposited/Provided			$0.50/strap
Coin Deposited/Provided			$0.10/roll
Statements	EOM Statement, E-Statement Only	EOM Statement, E-Statement Optional	EOM Statement, E-Statement Optional
Other Features & Services	Earnings allowance does not apply	Earnings allowance does not apply	Earnings allowance to offset monthly fee
	Merchant credit card receipt processing	Merchant credit card receipt processing	Merchant credit card receipt processing
	ACH for payroll administration and other type repetitive transactions	ACH for payroll administration and other type repetitive transactions	ACH for payroll administration and other type repetitive transactions

^1"Items" include paid checks, deposit slips, checks deposited, and electronic debit and credit transactions.

Take advantage of these other great business services from BCSB:

Business Overdraft Protection
Business customers can apply for a line of credit attached to a business checking account. An overdraft will activate the line of credit for the exact amount needed for the check to clear, up to the approved credit limit.

Business Online Banking, BillPay and Cash Management Services
Expedite and simplify your business banking with the convenience of online banking. Obtain balance and account information, and transfer funds between accounts with FREE Basic Online Banking (up to three accounts). Fees apply for additional accounts. Please refer to our Business Service Fee Schedule.

Pay bills quickly and easily with FREE Bill Pay (up to 20 payments per cycle). Fees apply for additional payments. Please refer to our Business Service Fee Schedule.

Also available are Cash Management Services, which include ACH Origination with Payroll, Wire Transfers, and Positive Pay. Fees apply. Please refer to our Business Service Fee Schedule.

Merchant Payment Processing
USB Payment Processing located in Towson, Maryland is the preferred provider for BCSB merchant payment processing. With more than 10 years in the area, they provide credit, debit, electronic checks, gift cards and a host of other cashless payment options. Ask a BCSB branch manager about rates and plans.

Using your BCSB Business Debit VISA Card is about to become even more rewarding!
Our UChoose Rewards® program gives you practically unlimited ways to redeem all the points you earn using your BCSB Business Debit VISA Card.

Here’s how it works: Visit www.uchooserewards.com to set up your user name and password. Every time you use your BCSB Business Debit VISA Card for signature transactions, you will earn points! These points can then be redeemed for well, just about anything—it’s your choice! Choose from millions of options—whether it’s products, travel experiences, activities, event tickets—a vast online rewards catalog filled with practically unlimited options awaits you.

Be sure to visit www.uchooserewards.com often to check out your current point balance as well as an up-to-date list of the amazing assortment of redemption possibilities waiting for you.

Have additional questions? Please feel free to call us at 410.256.1331.

Verified by VISA
Give yourself and your business an extra layer of security for online transactions when you register with Verified by Visa. By registering and selecting a password, you ensure that even if your VISA card is stolen or copied it cannot be used without knowing your password.
Register for free today.

Call 410.256.5000 or click here to have an account representative contact you.

Unlawful Internet Gambling Enforcement Act (UIGEA)
In accordance with the Unlawful Internet Gambling Enforcement Act (UIGEA and Regulation GG) all unlawful gambling transactions are prohibited and may not be processed through any account at BCSB.

Business Checking accounts do not earn interest.