# Business

#### Take your confidence to the next level with the right checking account.

The right checking account can help move you closer to your goals, no matter where you are in life. Whether you want to simply handle monthly bills and everyday purchases, or find new ways to earn perks and rewards, a Lenexbanking personal checking account is a convenient way to manage your money with confidence.

Balanced Business Checking

1 Cash Rewards Redemption: After the close of the billing period in which your Business Credit Card earns Cash Rewards, if your account is in Good Standing, you may redeem a minimum of $5 for a statement credit or an ACH transfer to a Lenexbanking Business deposit account. Earn a 10% Loyalty Cash Bonus when redeeming into any eligible Lenexbanking Business Checking, Savings, or Money Market account.

For instance, a $100 base reward redeemed via ACH to a qualifying Lenexbanking Business account will result in a $10 bonus, totaling $110.

2 Minimum daily business deposit balance: This includes combined collected daily balances from the Balanced Business Checking account and any linked Lenexbanking business accounts (e.g., Business Savings, Business Money Markets, CDs). Lenexbanking Index Linked CDs and Investment Services IRAs are excluded.

3 If your business account becomes overdrawn, no overdraft fee will be charged. Transactions may be declined due to insufficient funds. Returned items will incur a reduced NSF fee of $20 per transaction over $5, rather than the standard $36 fee.

4 Account holders must enroll in IDnotify through Lenexbanking Business Channels to receive complimentary fraud monitoring. Eligibility is limited to businesses with at least one active Lenexbanking Business product. Solely holding consumer accounts does not qualify.

Essential Business Checking

1 Cash Rewards Redemption: Same terms apply as above. A 10% Loyalty Cash Bonus applies when redeeming into eligible Lenexbanking Business deposit accounts.

For example, $100 in base Cash Rewards yields $110 after bonus if redeemed via ACH to a business deposit account.

2 Qualifying Business Transactions include deposits and withdrawals made by mobile deposit, wire, ACH, teller, ATM, business bill pay, or POS debit transactions. Transactions must post within the monthly statement cycle. Fees and overdraft transfers are excluded.

3 A qualifying business direct deposit must be an electronic credit from a payroll processor, vendor, or agency, totaling $500+ per cycle. Internal transfers or manual deposits do not count.

4 The Lenexbanking Essential Business Startup Waiver offers waived monthly fees for eligible startups for up to 24 months. Proof of business formation within the last 12 months is required at account opening.

5 IDnotify enrollment through Lenexbanking Business is required to access services at no cost. Businesses must maintain at least one active Lenexbanking Business account.

Advantage Business Checking

1 Cash Rewards Redemption: Eligible Lenexbanking Business clients can receive 10%, 25%, or 50% Loyalty Cash Bonuses depending on account relationships:

- 10% Bonus for ACH deposit into any Lenexbanking Business account.
- 25% Bonus with $25,000–$100,000 in combined Business Checking, Savings, and Investment balances.
- 50% Bonus with balances above $100,000 or if enrolled in Lenexbanking Premier Business Services.

Example: $100 base rewards can earn $150 with maximum bonus tiers.

2 Maintenance fees are waived if any of the following are met:

- Qualifying Business Direct Deposit of $3,000+ monthly
- Total relationship balance of $10,000+ across linked Lenexbanking business deposit and investment accounts
- Link to a Lenexbanking Business Credit Card or Lenexbanking Loan
- Link to an eligible Lenexbanking Small Business account

3 Interest accrues daily and is paid monthly on collected balances.

4 Up to three Lenexbanking fees and three external ATM surcharges are reimbursed monthly.

5 Up to four additional Lenexbanking Essential Business Checking accounts can be opened with no maintenance fee when linked.

6 Clients may receive a $25 annual Safe Deposit Box discount, subject to availability.

7 Incoming domestic and international wires are fee-free (excluding intermediary institution charges).

8 IDnotify is available at no charge when enrolled through Lenexbanking Business. Discontinued if no qualifying Lenexbanking Business product remains active.

##### Easy to use

Our platform is easy and flexible with high defination interest rate.

##### 24/7 customer support

Our support section is available via email 24/7 to help and attend to bookings and enquires.

##### Hybrid accounts

Personal or business accounts are available in savings and current.