Clearview Federal Credit Union - Business Center - Products

Business Checking Products

Your business is like no other. Clearview offers a variety of products and services designed to meet your needs as your business grows and changes. Please click here for a brief comparison of our four most popular Business Checking products. For further details, click on any of the links below:

Basic Checking

Our Basic Business Checking account is a free package of services which carries no minimum balance requirement and no monthly fee when you do not exceed the quantity of services provided. This account includes 300 transactions, including deposits processed, checks deposited and paid, and cash deposited and/or furnished. This account is ideal for the small business owner.

Basic Business Checking Account Services	Service Description
Monthly Fee	None
Minimum Balance Required	None
Earns Dividends	No
Package of Services	300 Items*
Excess Services Fee	$0.25 per Item
ATM Card	Yes
ATM Transactions	Clearview ATMs are free. Non-Clearview ATMs: first 8 are free, then $1 each**
Rolled Coin Purchased	$0.05 per Roll
Canvas Night Bags Processed	$1.00 per Bag
Disposable Night Bags Processed	$0.50 per Bag
Add Business Sweep	$20.00 per Month

*	Items include ATM and over-the-counter deposits, cash deposited and furnished, checks deposited and paid.
**	Clearview FCU has no control over any fees other financial institutions may charge for use of their ATMs. Participating network ATMs do not charge an additional surcharge. We belong to the CU24/CU HERE, CO-OP Network, CU$ and MoneyPass non-surcharging networks. Usage of network ATMs counts toward the limit of transactions at Non-Clearview ATMs.
	A minimal charge applies for check reorders.

Dividend Checking

If you are a non-profit or a sole proprietor, you will enjoy all of the features and benefits of our Basic Business Checking. Plus, you will earn dividends monthly on the account balance.

Business Dividend Checking Account Services	Service Description
Monthly Fee	None
Minimum Balance Required	None
Earns Dividends	Yes
Package of Services	300 Items*
Excess Services Fee	$0.25 per Item
ATM Card	Yes
ATM Transactions	Clearview ATMs are free. Non-Clearview ATMs: first 8 are free, then $1 each**
Rolled Coin Purchased	$0.05 per Roll
Canvas Night Bags Processed	$1.00 per Bag
Disposable Night Bags Processed	$0.50 per Bag
Earnings Credit	No

*	Items include ATM and over-the-counter deposits, cash deposited and furnished, checks deposited and paid.
**	Clearview FCU has no control over any fees other financial institutions may charge for use of their ATMs. Participating network ATMs do not charge an additional surcharge. We belong to the CU24/CU HERE, CO-OP Network, CU$ and MoneyPass non-surcharging networks. Usage of network ATMs counts toward the limit of transactions at Non-Clearview ATMs.

Business Checking Plus

If you need more transactions than those offered in our Basic Business Checking package, our Business Checking Plus may be right for you. This package offers the same key services as Basic Business Checking, plus an additional 200 transactions for a low monthly fee. This account is ideal for the business owner who needs more transactions and a predictable monthly fee, provided you do not exceed the quantity of services provided.

Business Checking Plus Account Services	Service Description
Monthly Fee	$10.00
Minimum Balance Required	None
Earns Dividends	No
Package of Services	500 Items*
Excess Services Fee	$0.25 per Item
ATM Card	Yes
ATM Transactions	Clearview ATMs are free. Non-Clearview ATMs: first 8 are free, then $1 each**
Rolled Coin Purchased	$0.05 per roll
Canvas Night Bags Processed	$1.00 per bag
Disposable Night Bags Processed	$0.50 per bag
Earnings Credit	No
Add Business Sweep	$20.00 per month

*	Items include ATM and over-the-counter deposits, cash deposited and furnished, checks deposited and paid.
**	Clearview FCU has no control over any fees other financial institutions may charge for use of their ATMs. Participating network ATMs do not charge an additional surcharge. We belong to the CU24/CU HERE, CO-OP Network, CU$ and MoneyPass non-surcharging networks. Usage of network ATMs counts toward the limit of transactions at Non-Clearview ATMs.

Business Dividend Checking Plus

If you are a non-profit or a sole proprietor, you will enjoy all of the features and benefits of Business Checking Plus and you will earn dividends monthly on the account balance.

Business Dividend Checking Plus Account Services	Service Description
Monthly Fee	$10.00
Minimum Balance Required	None
Earns Dividends	Yes
Package of Services	500 Items*
Excess Services Fee	$0.25 per Item
ATM Card	Yes
ATM Transactions	Clearview ATMs are free. Non-Clearview ATMs: first 8 are free, then $1 each**
Rolled Coin Purchased	$0.05 per Roll
Canvas Night Bags Processed	$1.00 per Bag
Disposable Night Bags Processed	$0.50 per Bag
Earnings Credit	No

*	Items include ATM and over-the-counter deposits, cash deposited and furnished, checks deposited and paid.
**	Clearview FCU has no control over any fees other financial institutions may charge for use of their ATMs. Participating network ATMs do not charge an additional surcharge. We belong to the CU24/CU HERE, CO-OP Network, CU$ and MoneyPass non-surcharging networks. Usage of network ATMs counts toward the limit of transactions at Non-Clearview ATMs.

Business Analysis Checking

Analysis Checking provides an earnings credit based on the average collected balance in your account, and an earnings rate based on the three-month average of the 91-day Treasury Bill rate. The earnings credit amount is applied towards the activity and cash management fees incurred on the account, and is used to pay for all or a portion of your monthly fees.

Business Analysis Checking Account Services	Service Description
Monthly Fee	$7.50
Minimum Balance Required	None
Earns Dividends	No
Deposits	$0.50 each
Checks Deposited	$0.08 each
Checks Paid	$0.08 each
Cash Deposited or Furnished	$0.50 per $1,000 or fraction thereof
ATM Card	Yes
ATM Deposits	$0.50 each
ATM Transactions	Clearview ATMs are free. Non-Clearview ATMs: first 8 are free, then $1 each*
Rolled Coin Purchased	$0.05 per Roll
Canvas Night Bags Processed	$1 per Bag
Disposable Night Bags Processed	$0.50 per Bag
Earnings Credit to Offset Service Charges and Fees	Yes
Earnings Rate	Equal to the three-month average of the 91-day T-bill rate
Add Business Sweep	$20.00 per Month

Clearview FCU has no control over any fees other financial institutions may charge for use of their ATMs. Participating network ATMs do not charge an additional surcharge. We belong to the CU24/CU HERE, CO-OP Network, CU$ and MoneyPass non-surcharging networks. Usage of network ATMs counts toward the limit of transactions at Non-Clearview ATMs.

Business Money Market Account

Our Business Money Market account will maximize your business cash flow. The account is tiered to allow you to earn higher dividends as your balances increase. It's easy, profitable and your funds stay liquid.

The Business Money Market is limited to six preauthorized automatic or telephone transfers, including eBusiness Online Banking transfers. Of the six transfers, up to three may be by check to a third party. Transfers that do not count toward the six transfers are:

transfers for the purpose of repaying loans
withdrawals or transfers conducted over the counter

For more information, call (412) 507-5174.

Money Market Rates

Account	Average Daily Balance Required for Dividend	Money Market Tier Balances	Savings Rate	Savings APY*
Money Market Tier 1	$1,000	$1,000 - $9,999	0.350%	0.350%
Money Market Tier 2	$1,000	$10,000 - $24,999	0.350%	0.350%
Money Market Tier 3	$1,000	$25,000 - $49,999	0.350%	0.350%
Money Market Tier 4	$1,000	$50,000 - $99,999	0.400%	0.400%
Money Market Tier 5	$1,000	$100,000+	0.400%	0.400%

*	APY = Annual Percentage Yield. Rates and yields are in effect as of December 1, 2009. For a copy of the current rates or disclosures, contact Clearview at (412) 507-5174.

Free IOLTAs (Interest on Lawyers' Trust Accounts)

Interest On Lawyers' Trust Accounts (IOLTAs) allow lawyers and law firms to deposit clients' funds into this dividend-bearing account. State regulations require that dividends earned be forwarded to the state IOLTA fund. These funds will be transferred to the state to be used for representation for the indigent.

IOLTA Account Services	Service Description
Monthly Fee	None
Minimum Balance Required	None
Earns Dividends	Yes

Clearview At Work

Clearview At Work is a special package of products and services available to employees of our Clearview At Work Partners. It is a free checking account that offers monthly dividends with no minimum balance requirements. The account also offers other discounted financial services.

Partnering with Clearview is a meaningful benefit because we are a full-service financial institution. Also, because credit unions are not-for-profit, we can offer better rates on loans and deposits, low or no fee products and services, unparalleled service and commitment to member convenience. Encourage your employer to offer this free employee benefit today.

Clearview At Work features:

No monthly account maintenance service charge
Dividends paid monthly
Unlimited check writing
Free first order of Clearview design checks (or $5.00 off first order of any other style)
$5.00 discount on check reorders
Free Online Banking
Free online bill payment (BillPayer)¹
Free Clearview Debit Card which includes free and unlimited Clearview ATM transactions, MasterCard® debit and Point of Sale purchases
Access to thousands of surcharge-free ATMs nationwide
Refunded ATM Surcharges²
.25% loan rate discount for 1st time borrower³
Free medallion signature guarantee
Free signature notary service
Electronically deposit paychecks on the morning of payday⁴

1	A monthly fee of $4.95 will be charged if no payment is made on a BillPayer account for 90 days.
2	Surcharges are the fees assessed by the financial institution that owns the ATM used. Excludes International ATM transactions.
3	Offer excludes current promotional rates, PowerLine Line of Credit, CU Student Choice Loans, Better Choice Loans, Visa^® Credit Card Balances, Deposit Secured Loans, Real Estate Loans and Business Loans. Discount cannot be combined or used in conjunction with any other offer. Discount is non transferable and cannot be used on any existing Clearview loan.
4	If available through employer.