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Commercial Checking Account

A monthly account analysis determines the monthly balance available to reduce or eliminate any service charge. An earnings allowance, computed using the positive average collected balance, less 10% reserve requirement, is used to offset analysis activity charges each month. This allowance is based on current market rates and is subject to change. The following criteria apply:


  • $100 minimum deposit to open
  • $10.00 Monthly Maintenance Fee
  • $0.10 per deposited item
  • $0.15 per debit item
  • $0.25 per deposit
  • $0.25 per strap of currency or per $100 of currency
  • $0.05 per roll of coin


Accounts with a negative daily collected balance will be charged at the Royal Palm Bank Prime Interest Rate on the daily negative collected balance in addition to other activity charges. Monthly bank statements with images of your checks and debit items will be delivered monthly and may be delivered by e-mail.

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