Business Checking Accounts Overview | Cambridge Trust

	Business Convenience Checking	Business Concierge Checking
Monthly Maintenance Fee	$10	$25
Minimum Balance to Avoid Fee	$1,000 average monthly account balance	$10,000 in Business Concierge or $25,000 Combined business/personal deposit balances (DDA, SAV, MMDA balances only) or Commercial Lending Relationship
# of Complimentary Transactions	200	500
Cost per Additional Item	$0.50	$0.50
Statements & History	Complimentary eStatements ($3 paper) 18 Months OLB History available online	Complimentary eStatements ($3 paper) 18 Months OLB History and 7 years of statements available
Digital Access	Complimentary Basic Business Online Banking and Bill Pay Single User with up to 3 deposit accounts included Complimentary Mobile Banking	Complimentary Standard Business Online Banking Upgrade to Premium Business Online Banking at a 50% discount Access to Online Treasury Portal 3 complimentary domestic wires with Premium Business Online Banking Complimentary Mobile Banking
Cash Flow Solutions	Complimentary Mobile Deposits; Limits apply: $20K/day $10k/transaction $100k/month 100 checks per month Exceptions as needed Complimentary cash flow alerts Quickbooks	Complimentary Mobile Deposits Payroll Discount by PayChex (SurePayroll) Consumer Premium Plus Relationship Account available to partners/owners Complimentary RDC Scanner, 50% off monthly RDC fee Complimentary cash flow Alerts Quickbooks
Account Bundle	Basic Business Online Banking and Bill Pay Single User with up to 3 deposit accounts included Complimentary cash flow alerts Quickbooks 18 months of history eAlerts Standard reports No ATM fees, surcharge rebates Complimentary first order of standard checks (Up to $100 per entity)	Complimentary Standard Business Online Banking Multiple Users/Accounts Upgrade to Premium Business Online Banking at a 50% discount Access to Online Treasury Portal 3 complimentary outgoing domestic wires with Premium Business Onling Banking Multiple Users/Accounts Single sign-on for business and personal Permissions set at user level Enhanced reporting Complimentary cash flow alerts Quickbooks Interbank Transfers 7 year statement history – 18 months history available via online banking eAlerts Tokens (if desired) No ATM fees, surcharge rebates Complimentary first order of standard checks (Up to $100 per entity)
Other Bundle Elements	Mobile Deposit Merchant Card Processing Business Debit Card Business Credit Card (for qualified applicants)	Complimentary Mobile Banking and Deposits Complimentary RDC Scanner, 50% off monthly RDC fee Merchant Card Processing Business Debit Card Business Credit Card ( for qualified applicants) Premium Rate Business MMDA Premium Plus Relationship Account Complimentary Inbound Wires Payroll Discount No Fee OD LOC (for qualified applicants) Concierge Onboarding/ Assigned Banker

Community Partnership Accounts

Available to qualified nonprofit organizations and minority-owned, women-owned, veteran-owned and LGBTQ+ owned businesses.

	Community Partnership Checking	Community Partnership Checking Plus
Monthly Maintenance Fee	None	Account Analysis
Minimum Balance to Avoid Fee	N/A	Preferred Earnings Credit Rate Applied to Deposit Balances Can Be Used to Offset Monthly Service Fees
# of Complimentary Transactions	500	Earnings Credit Account Analysis
Cost per Additional Item	$0.25	N/A
Statements & History	Complimentary eStatements ($3 paper statement) 18 Months OLB History and 7 years of statements available	Complimentary eStatements ($3 paper statement) 18 Months OLB History and 7 years of statements available
Digital Access	Complimentary Standard Business Online Banking package Complimentary Mobile Banking	Online Treasury Portal and Premium Business Online Banking Premium Business Online Banking at $55 per month Complementary mobile banking
Cash Flow Solutions	Complimentary Mobile Deposits Complimentary cash flow Alerts Quickbooks	RDC at $75 per month Enhanced Reporting ACH Origination International and Domestic Wire Origination Lockbox Sweep Loan Pay Down/Advance
Account Bundle	Complimentary Standard BizBanker online banking package Multiple Users/Accounts Enhanced reporting Earns Interest Complimentary cash flow alerts Quickbooks Interbank Transfers 7 year statement history – 18 months history available via online banking eAlerts No ATM fees, surcharge rebates Complimentary first order of standard checks up to $100 per entity	ACH Positive Pay Payee Positive Pay Zero Balance Accounts Tokens Required (Based on limits) No ATM fees, surcharge rebates Preferred Earnings Credit Rate
Other Bundle Elements	Complimentary Mobile Banking and Deposits Merchant Card Processing Business Debit Card Business Credit Card (for qualified applicants) Complimentary Inbound Wires Payroll Processing No Fee OD LOC (for qualified applicants) Concierge Onboarding/ Assigned Banker Complimentary Investment Policy Review	Merchant Card Processing Payroll Processing Business Debit Card Business Credit Card (for qualified applicants) Premium Rate Business MMDA Premium Plus Checking Account Concierge Onboarding by TM Team Complimentary Investment Policy Review