Business accounts to suit your needs

Business Accounts

  • Business First Checking Account

    Designed for businesses of any size, this is a non-interest bearing account, with no monthly service charge, that is offered to proprietors, partnerships, corporations, and municipalities.

    • $100.00 minimum opening balance
    • Up to 250 items processed at no charge, per cycle
    • eStatements required
    • Night Depository Services
    • Complimentary zippered bank bag
  • Business Venture Checking Account

    A non-interest bearing account, with a flat monthly service charge, that is offered to proprietors, partnerships, corporations, and municipalities.

    • $100.00 minimum opening balance
    • Low monthly maintenance fee
    • Advantage Online Banking & Bill Pay
    • Night Depository Services
    • Complimentary zippered or locked bank bag
  • Business Power Plus Checking Account

    A non-interest bearing account, designed to be a cash management account for the commercial customer. If minimum balance requirement is met, an earnings credit is applied against a monthly maintenance fee.

    • $100.00 minimum opening balance
    • Low monthly maintenance fee
    • For those accounts with an average balance of $2,000 and over, an earnings allowance will be calculated and applied to the maintenance and per item fees.
    • Advantage Online Banking & Bill Pay
    • Night Depository Services
    • Complimentary locked bank bag
  • Non-Profit Organization Account

    Designed with a low monthly service charge to meet the financial concerns on non-profit organizations and businesses which write few checks per month. A non-interest bearing transaction account.

    • $100.00 minimum opening balance
    • Low monthly maintenance fee
    • Advantage Online Banking & Bill Pay
    • eStatements
    • Debit Card
    • Complimentary zippered bank bag

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts.
All funds in a "non-interest bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "non-interest bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Notice of Expiration of the Temporary FDIC Insurance Coverage for Noninterest-bearing Accounts
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit FDIC.gov

Regulation GG-Unlawful Internet Gambling Enforcement Act (UIGA) of 2006
NOTICE TO COMMERCIAL CUSTOMERS: The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Dept. of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. As defined in Reg GG, unlawful Internet gambling mean to "place or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or tribal lands in which the bet or wager is initiated, received, or otherwise made". As a customer of Troy Bank & Trust, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open an account with us, we will ask that you provide evidence of your legal capacity to do so. Please contact us if you would like additional information on UIGEA or Regulation GG.

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