Need help selecting the right investment tool for your cash reserves?

	Piedmont Business Prime Money Market	Piedmont Business Savings	Certificates of Deposit
Minimum opening deposit	$1,000	$100	$1,000
Maintenance fee	$25 / month Waived if average daily balance is $10,000 or more	$5 / month Waived if average daily balance is $100 or more	None
Withdrawals allowed	Six per month (including three checks)* at no charge $5 fee per additional withdrawal	Three withdrawals per month free; $5.00 per additional withdrawal, no more than six per statement cycle	Substantial penalty for early withdrawal
Interest	Compounded daily and credited monthly; rate variable based on 60% of current Wall Street Journal Prime Rate	Compounded daily and credited monthly	Compounded daily and credited monthly; may be credited to the CD or paid by check
Maturities	N/A	N/A	Three months to 60 months Automatic renewal available
Online account access to: view account balance transfer funds between accounts place stop payments order checks view cancelled checks	Yes	Yes	Yes (view account balance only)
Online bill payment	Yes	Yes	No
Online treasury management services	Yes	Yes	No

The PrivateBank also offers savings accounts, money markets and CDs for personal investing.

*Federal regulations allow no more than six (6) debit transactions in a monthly statement cycle. Of these six (6) transactions, no more than three (3) can be checks, debit card transactions, transfers or preauthorized transfers, including those made by phone, PC banking payments or internet (including bill payments). Unlimited transactions are permitted if made by the customer in person, by mail, at an ATM, or by telephone when a check is mailed directly to the customer.

Rates and terms offered are limited to The PrivateBank's market area. Brokered deposits will not be accepted.

See deposit account agreement and deposit accounts fee schedule for additional fees and conditions