FNB’s Commercial Analysis Checking account is a non-interest account for businesses, which includes unlimited check writing with no minimum balance requirements. Service charges are calculated as an analysis of balance vs. activity serviced. An earnings credit is given each month for the average daily collected balance less the required reserves. The credit will be calculated monthly based on the average 90 day Treasury Bill rate for the Mondays in the month being analyzed. The charges that accumulate with the account’s daily transactions are applied against the earnings credit. Thus, a service charge will be assessed to the account only during the months when the expense of handling the account exceeds the earnings credit.