The Commercial Account Analysis Program is designed for high activity commercial account customers. Commercial account customers may be placed on "account analysis" after contact from a bank representative. One feature of the Commercial Account Analysis Program involves the Earnings Credit. The Earnings Credit is based on a rate that is equal to the average Fed funds rate for the month, minus 1%. Fees on Service Charges, except for NSF charges, may be offset by the Earnings Credit.
Explanation of Earnings Credit Calculation
Avg Monthly Ledger Bal - Float & Collected Funds = Avg Collected Bal - Reserve Requirements at 10.0% = Investable Balance Investable Bal X Earnings Credit Rate / 365 X NO. of Days in the Month = Earnings Credit.
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