Macatawa and Wintrust Announcement
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Public Funds Banking

Building thriving communities.

The communities we work and live in are supported by the municipalities and public entities that service and govern them.  Whether you oversee a city, township, hospital, school, library or public utility, your business is taking care of the community by helping it grow and thrive.  Our business is helping you thrive. 



Public Funds Analysis Checking

Organizations with high monthly transaction volume providing an earnings credit allowance to offset fees and full FDIC insurance coverage

Opening Requirements

$50

Monthly Maintenance Fee

Yes1

How To Avoid Or Reduce Maintenance Fee

No minimum balance requirement

Transaction Allowance

Unlimited1

Earnings Credit Allowance

Yes

Earns Interest

N/A

Interest Tiers

N/A

Online Banking & Bill Pay

Yes

Extras

Treasury Management Service options
eStatements available
Business Debit Card
Business Credit Card

Public Funds Net Analysis Checking

High monthly transaction volume organizations desiring flexible interest and earnings credit options

Opening Requirements

$50

Monthly Maintenance Fee

Yes1

How To Avoid Or Reduce Maintenance Fee

No minimum balance requirement

Transaction Allowance

Unlimited1

Earnings Credit Allowance

Yes

Earns Interest

Yes3

Interest Tiers

$0 - $99,999
$100,000 - $249,999
$250,000 - $499,999
$500,000 - $999,999
$1,000,000 +

Online Banking & Bill Pay

Yes

Extras

Treasury Management Service options
eStatements available
Business Debit Card
Business Credit Card

Public Funds Money Market

Organizations looking to earn a premium yield on excess liquid balances

Opening Requirements

$50

Monthly Maintenance Fee

$10

How To Avoid Or Reduce Maintenance Fee

Maintain $10,000 monthly average balance in this account

Transaction Allowance

Limit of six (6) preauthorized transfers from your account each month per Federal Regulation D2

Earnings Credit Allowance

N/A

Earns Interest

Yes

Interest Tiers

$0 - $99,999
$100,000 - $249,999
$250,000 - $499,999
$500,000 - $999,999
$1,000,000 - $2,499,999
$2,500,000 +

Online Banking & Bill Pay

Yes

Extras

Monthly Statement cycle
Free combined statements
eStatements Available

1 Monthly maintenance fee applies.  Per item charges will be assessed for each transaction.  Please contact our Customer Service at 1 (877) 820-2265 for additional information.
2 Federal Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market account to a maximum combined total of six (6) preauthorized transfers per month.  These transactions include automatic transfers for overdraft coverage to your checking account, checks, drafts or similar other withdrawals payable to third parties, point-of-sale (POS) purchase transactions with an ATM/debit card, or by preauthorized or automatic payment transfers (including ACH and wire transfers) via telephone or online (including Bill Pay). Excessive transactions may incur a fee and the Bank, at its discretion, either closing your account or changing your account to a noninterest-bearing account.
3 Interest for the Public Funds Net Analysis Checking account is calculated and paid on the net remaining average available balance after service charges are offset by earnings credit and credited to the account monthly.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.
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