At the Bank of New Canaan, we have the financial tools and services you will need to help in the growth of your business. Our goal is to establish a long-term partnership while providing you with the highest quality products and the best possible service.

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• If you maintain an average monthly current balance of $10,000 or a
combined (Savings, MMA, or CD) average balance of $20,000:
• No monthly maintenance fee.
• No charge for the first 100 checks written.
• No charge for the first 100 checks deposited.
• $15 monthly maintenance fee.
• $0.15 for each check written.
• No charge for ACH debits or credits.
• $0.12 for each check deposited.
• No charge for deposits.
• No charge for coin and currency set-ups.
• No issue fee for official checks or money orders.
• No charge for deposit tickets, if purchased separately from check order.
• There is a per item fee if you exceed the per check or item deposited limit.
• We offer check imaging, providing you with an easy and convenient way to retain your checking records.

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This account is for our commercial clients. An earnings credit is calculated to reduce or eliminate monthly activity fees.

• Charges included in analysis:
• $15 monthly maintenance fee.
• $0.15 for each check written.
• $0.12 for each check deposited.
• $10 per return item fee.
• $25 per stop payment fee.
• There are no charges or issue fees for:
• Deposits.
• Coin or currency order set-ups.
• Official checks.
• Money orders.
• Deposit tickets, if ordered separately from checks.
• We apply an earnings credit to 100% of your average current monthly balance. This credit is used to offset the account charges. If the credit exceeds the current month's charges it is carried forward to the next month and used to offset that month's charges. The credit can carry forward for up to twelve (12) months. If the charges exceed the credit and any carry forward, the account is charged the difference.
• The earnings credit is based on the Federal Reserve Board of Governor's target Federal-Funds rate on the last business day of the month. The rate can change monthly and the target rate can be found in The Wall Street Journal.

The major benefits to you are:
• Next business day availability on all deposits.
• 100% of your balance receives the earnings credit to off-set fees.
• Earnings credit can be carried forward for up to 12 months. This is especially useful for seasonal businesses.
• No fee for making a deposit.
• The earnings credit rate is available in most financial papers and adjusts as interest rates do.
• We offer check imaging, providing you with an easy and convenient way to retain your checking records.

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This account is available for sole proprieters and attorneys' IOLTA accounts. You can avoid monthly service charges by maintaining an Average Daily Balance instead of a Daily Minimum Balance.

• If you maintain an average monthly current balance of $5,000 or a combined (Savings, MMA, or CD) average balance of $15,000:
• No monthly maintenance fee.
• No charge for checks written.
• No charge for checks deposited.
• $15 monthly maintenance fee.
• $0.15 for each check written.
• No charge for ACH debits or credits.
• $0.12 for each check deposited.
• No charge for deposits.
• No charge for coin and currency set-ups.
• No issue fee for official checks or money orders.
• No charge for deposit tickets, if purchased separately from check order.
• There is a per item fee if you exceed the per check or item deposited limit.
• The account earns interest as long as the balance is at least $0.01.
• Interest is compounded daily on the current balance and paid monthly.
• We offer check imaging, providing you with an easy and convenient way to retain your checking records.

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This account earns interest as long as the daily balance is $5,000 or more. The variable interest rate is compounded daily and paid monthly, and regardless of your balance, there's:

• No monthly maintenance fee.
• No charge for checks written.
• No charge for checks deposited.
• No charge for ACH debits or credits.
• No charge for deposits.

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• $15 monthly maintenance fee.
• $0.15 for each check written.
• No charge for ACH debits or credits.
• $0.12 for each check deposited.
• No charge for deposits.
• No charge for coin and currency set-ups.
• No issue fee for official checks or money orders.
• No charge for deposit tickets, if purchased separately from check order.
• Charges are waived if the average current balance is at least $10,000.
• We offer check imaging, providing you with an easy and convenient way to retain your checking records.

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• The account earns interest as long as the current balance is above $1,000.
• There is no monthly service fee.
• The rate is variable and can change daily.
• The interest rate is compounded daily on the current balance and paid monthly.
• There is no check writing on this account.
• ATM Card available.
• We will not charge a foreign ATM fee. However, there may be a fee from the bank whose ATM you use.

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Put your money to work for you with our Interest Bearing Money Market Account. The larger your balance, the higher your rate of interest will be.

• Interest is compounded daily based on the current balance and paid monthly.
• Balance Tiers are:
  $0 - $4,999.99
  $5,000 - $24,999.99
  $25,000 - $99,999.99
  $100,000 - $249,999.99
  $250,000 - $999,999.99
  $1,000,000 - $2,999,999.99
  $3,000,000+
  
• The interest rates are variable and can change daily.
• There is a $15 monthly maintenance fee if the average monthly current balance is less than $5,000.
• The account is allowed six (6) transfers, three of which can be by check. If there are more than (6) such transactions, there is a $15.00 per transfer fee.
• You can have an ATM or VISA Debit Card.
• We will not charge a foreign ATM fee. However, there may be a fee from the bank whose ATM you use.