Business Checking Account

• Minimum Opening Deposit – $100.00

• Available to all Business Types

• Account Earnings Credit Applied Toward Monthly Service Charges

• Unlimited Check Writing

• No Minimum Balance Required

• No Maintenance Fee with online banking & e-statements

• No cost Electronic Debits/Credits

• No cost Automatic Loan Payments

• Internet Banking

• Online Billpay

• FDIC Insured

Business NOW Account (Sole Proprietors & Nonprofit Organizations)

• Minimum Opening Deposit – $100.00

• Unlimited Check Writing

• No Minimum Balance Required

• No Maintenance Fee with online banking & e-statements

• No cost Electronic Debits/Credits

• No cost Automatic Loan Payments

• Internet Banking

• Online Billpay

• Earns Interest*

• FDIC Insured

• Monthly Service Charges Apply

Business IMMF – Money Market Account

• Minimum Balance to Avoid Service Charge – $1,000.00

• Market Based Variable Interest Rates*

• FDIC Insured

• Limit Six (6) Withdrawals Per Statement Cycle**

• Unlimited In-Person Withdrawals

• No Maintenance Fee with online banking & e-statements

*Interest Rates established periodically by Kalamazoo County State Bank
**Federal law permits only six withdrawals per statement period to another account or to third parties by check, draft, preauthorized, automatic, telephone or online transfer, or ATM card.  If you exceed six withdrawals per statement period, we may not allow the seventh and your account may be charged an Excess Transaction Fee.

Pay your employees with ease with KCSB’s Payroll Direct Deposit. The process is easy and more efficient for your business, and your employees will appreciate having their paycheck automatically deposited into their account(s).

• Automate payroll for more efficiency
• Securely send money electronically to employee accounts
• Other benefit of KCSB’s process
• Private, Safe, Proven, and Confidential
• Reduces opportunity for fraud and abuse
• Employees can deposit pay into accounts at multiple institutions
  compatible with most current payroll software file uploads

Statement Savings Account

• Minimum Opening Deposit – $10.00

• Minimum Balance to Avoid Service Charge – $200.00

• Market Based Variable Interest Rates*

• FDIC Insured

• Limit Six (6) Withdrawals Per Statement Cycle**

• Unlimited In-Person Withdrawals

• No Maintenance Fee with online banking & e-statements

*Interest Rates established periodically by Kalamazoo County State Bank
**Federal law permits only six withdrawals per statement period to another account or to third parties by check, draft, preauthorized, automatic, telephone or online transfer, or ATM card.  If you exceed six withdrawals per statement period, we may not allow the seventh and your account may be charged an Excess Transaction Fee

Certificates of Deposit
• Fixed Rates with terms from 32 days to 60 months
• Minimum Deposit 32 Days to 90 Days-$2,500.00
• Minimum Deposit 91 Days to 60 Months-$1,000.00
• FDIC Insured
• Competitive Interest Rates
• Substantial Penalty For Early Withdrawal

We offer a variety of business loan products.  Let Kalamazoo County State Bank lenders customize a loan that meets your business needs.

• Short Term Notes

• Lines of Credit/Multiple Advance Notes

• Simple Interest Installment Loans

• Real Estate Loans

• Equipment Loans

• Letters of Credit

• SBA Loans

At Kalamazoo County State Bank, your business is very important to us and we are here to grow with you and meet your changing banking needs.  Call us anytime!