Business Account Analysis & Earnings Credit
Account Analysis & Earnings Credit
Use Your Balance to Offset Business Fees
If your business maintains a higher balance or has frequent transactions, Park View’s Account Analysis feature can help reduce or even eliminate certain monthly fees through an earnings credit system—available exclusively with a Select Business Checking account.
Put Your Balance to Work
Reduce Fees with Earnings Credit from Account Analysis
Account Analysis analyzes your daily checking account balances to determine if your account is eligible for a monthly earnings credit1, which can offset all or some of your eligible monthly fees. The Earnings Credit is calculated using your average collected balance during the statement period, multiplied by an Earnings Credit Rate (ECR) set monthly by Park View.
At the end of each statement cycle, your Account Analysis Summary—like the one shown below—breaks down which fees were charged and how much of your earnings credit was applied to offset them.
How It Works
Turn Your Balance Into Earnings Credit
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Keep a Balance
Use your Select Business Checking account as usual. Account Analysis tracks your daily collected balance throughout the month.
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Earnings Credit Calculation
At the end of your statement cycle, we calculate an earnings credit based on your average balance and Park View’s current earnings credit rate.
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Reduce or Offset Fees
At the end of each statement cycle, your earnings credit is automatically applied. Your statement includes a summary showing the fees charged and the amount reduced or offset.
Eligible Fees
Which Fees Can Be Offset by Earnings Credit?
Please note that not all fees and charges are eligible to be offset by your earnings credit. The fees listed above will be deferred until the end of the month and are eligible to be offset. Within your online transaction description, you will see 'Fee Deferred.'
Have More Questions?
We're Here to Help
If you’d like to better understand how Account Analysis or Earnings Credit could impact your business account, our Member Business Advisor team is ready to assist you.
Need More Info?
Common Questions About Account Analysis and Earnings Credit
Other Products and Services
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Explore our full range of business solutions—including credit cards, lending options, and business services—designed to complement your business checking and help your business grow.
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Our business credit cards come with low rates or reward options for the occasional boost to cash flow when needed.
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