Business Service Fees 2010

Checking

	Small Business	Business	Business w/Interest	Non-Profit
Account Overview	Ideal for the basic small business with low activity and a low balance.	Ideal for the business with high volume and a high balance.	Ideal for sole proprietors and non-profit organizations.	Exclusively for non-profit organizations.
Earns Interest	No	No* *A variable rate earnings credit is applied monthly to your account.	Yes (Variable)	No
Special Requirements	Less than 100 transactions per month.	None	Less than 100 transactions per month.	Less than 100 transactions per month.
Average Balance Requirements	No	No	No	No
Monthly Fee	$0	$10	$10	$0
Transactions Permitted	100 ($.25 per item over 100)	$.15 per debit/$.25 per deposit/$.06 per item	100 ($.25 per item over 100)	100 ($.10 per item over 100)
Other Benefits	Free e-statement with check images. Free online banking. Free Visa debit card.	Free e-statement with check images. Free online banking. Free Visa debit card.	Free e-statement with check images. Free online banking. Free Visa debit card.	Free e-statement with check images. Free online banking. Free Visa debit card.

Cash Management

	ACH/Direct Deposit	Remote Deposit	Investment Sweep
Account Overview	Offers a safe and secure method of paying vendors and employees,making tax payments, and sending wire transfers.	Process deposits anywhere your business is located by electronically capturing check images using a desktop scanner (bank issued scanner required).	Checking account balances are automatically swept overnight into an interest bearing repurchase account. When funds are needed to pay checks, the money automatically sweeps back into the checking account.
Monthly Fee	$30 (includes two verification tokens)	$50	$50

Savings

	Business Money Market	Business
Account Overview	Funds in this account earn interest at a competitive tiered rate. Automatic sweep feature available.	For low activity and a low balance. Interest is credited quarterly.
Earns Interest	Yes	Yes
Special Requirements	Less than 6 transactions per month (no more than 3 by check).	None
Average Balance Requirement	Maintain $2,500 balance	Maintain $200 balance
Monthly Fee	$15 (if below minimum balance)	$5 (if below minimum balance)

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. For more information please contact Coulee Bank or visit www.fdic.gov.

Beginning July 1, 2010 Coulee Bank will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in non-interest bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.