First Bank of Yuma - Yuma, Arizona

 

 

  Telephone Banking:
  1-866-422-6598
  (24 Hour Automated Service)
 
  Lost/Stolen Bankcards:
  1-800-535-8440
 
  Toll Free Bank Telephone:
  1-866-384-3226
 
  Routing Number:
  122105906
 

 

 

Business Accounts

To meet our business customer’s needs, we offer a wide range of banking services, including a variety of deposit accounts. Whether you are a small business or a large commercial business, we have the accounts that put you 1st.

Checking Accounts

1st Business Checking

No minimum balance required

  • Ideal for small businesses and organizations with minimal activity
  • Detailed statements mailed at month-end
  • Free check images included with statement
  • $100.00 minimum opening deposit
  • 200 overall transaction per month (includes deposits, checks, and debits) 
  • Excessive transactions: $1.00 each
  • $5.00 monthly maintenance fee
  • Monthly fee waived with eStatement
  • No minimum balance requirements
  • Online banking – No Charge
  • Bill Pay – 35¢ per transaction
  • Exclusive VISA Debit Card (Classic)–Upon Approval

1st Exclusive Business Interest Checking

No minimum balance required
  • Ideal for small businesses and organizations with minimal activity
  • Earns interest on Daily Collected Balances - paid monthly
  • Detailed statements mailed at month-end
  • Free check images included with statement
  • $100.00 minimum opening deposit
  • Transaction Limitations:  200 per month (includes deposits, checks, and debits)
  • Excessive transactions: $1.00 each
  • $5.00 monthly maintenance fee
  • Maintenance fee waived with eStatements
  • No minimum balance requirements
  • Online banking – No Charge
  • Bill Pay – 35¢ per transaction
  • Exclusive VISA Debit Card (Classic)–Upon Approval

1st Analysis Checking

  • Designed for commercial businesses requiring specialized services; multiple accounts can be combined in one relationship
  • Earnings credit based on collected balance (minus 10% reserve requirement) which helps offset monthly service charges
  • Detailed statement mailed at month-end
  • Free check images included with statement
  • $500.00 minimum opening deposit
  • If transaction costs exceed earnings credit:
    • Monthly maintenance fee of $12.00
    • .14 per debit
    • .35 per deposit
    • .06 per deposited item
    • Online Banking – No Charge
    • Bill Pay – 35¢ per transaction

1st Interest Analysis Checking

  • Designed for commercial businesses requiring specialized services; multiple accounts can be combined in one relationship
  • Earns interested on Daily Collected Balances - paid monthly
  • Detailed statement mailed at month-end
  • Free check images included with statement
  • $500.00 minimum opening deposit
  • Monthly maintenance fee of $12.00
  • 0.14¢ per debit
  • 0.35¢ per deposit
  • 0.06¢ per deposited item
  • Online Banking – No Charge
  • Bill Pay – 35¢ per transaction

1st Business Interest Checking
 

  • Available to sole proprietors, non-profit organizations and government agencies
  • Interest earned on balances over $1,500.00
  • Unlimited check writing
  • $1,000.00 minimum opening deposit
  • $1,500.00 minimum to earn interest
  • Monthly maintenance fee of $12.00 (if minimum balance of $1,500.00 not met)
  • Detailed statement mailed at month-end
  • Free check images included with statement
  • Online Banking – No Charge
  • Bill Pay – 35¢ per transaction

1st Business Tax Account

  • Designed for business customers who want to have a separate account for EFTPS debits (Federal Tax Payments)
  • No need to order checks; can order deposit slips only
  • Detailed statement mailed at month-end
  • Eligible to combine with 1st Analysis Checking
  • $1.00 minimum balance required
  • Monthly maintenance fee $6.00
  • $1.00 per debit over 4

1st Business Money Market Account

  • Tiered interest rates based on balance ranges beginning at collected balance of $2,500.00. Tiered Structure - $2,500; $10,000; $25,000; $50,000; $100,000+
  • Unlimited withdrawals in person. Federal Regulations require a limit of 6 preauthorized withdrawals per month.
  • Interest paid monthly on daily collected balance
  • $1,000.00 minimum opening deposit
  • $2,500.00 minimum to earn interest
  • Monthly maintenance fee of $10.00 (if minimum daily balance of $1,500.00 not met)
  • Excessive transactions: $10.00 each
  • Detailed statement mailed at month-end
  • Free check images included with statement

Savings Accounts

1st Select Business Savings

  • Interest earned on daily collected balances and compounded quarterly
  • Quarterly statement (monthly if Electronic Funds Transfer activity occurs)
  • $100.00 minimum opening deposit
  • $100.00 minimum to earn interest
  • Monthly maintenance fee $3.00 (if minimum daily balance of $300.00 not met and no eStatement)
  • Federal Regulations require a limit of 6 pre-authorized withdrawals per month
  • 3 in-house withdrawals per month are permitted at no charge.
  • Excessive in-house withdrawals (more than 3 per month) $3.00 each.

1st Elite Business Savings

*Relationship account only – Any Business Checking Account required

  • $50,000.00 minimum opening balance
  • $50,000.00 minimum to earn interest
  • No maintenance fee
  • Interest earned on daily collected balances of $50,000.00 or more and compounded quarterly
  • Tiered interest rates based on balance ranges beginning at $50,000.00
  • Tiered structure. $50,000; $100,000; $250,000; $500,000+
  • Quarterly statements (monthly if electronic transaction occur)Federal Regulations require a limit of 6 pre-authorized withdrawals per month.

Certificates of Deposit

  • Minimum deposit $1,000.00
  • Tiered interest rates based on balance range and term. Tiered rate structure - $1,000.00 and $100,000.00 (see Rates for current interest rate and annual percentage yield)
  • Term structure – 7-31 days; 32-89 days; 90-179 days; 180-364 days; 1 year; 18 months; 2 years; 3 years; 4 years; and 5 years
  • Interest can be paid to you monthly, quarterly, semi-annually, or annually
  • Interest can be compounded, deposited to a designated 1st Bank Yuma account, or mailed to you by check
  • Automatically renewable
  • Early Withdrawal Penalties may be imposed for withdrawals before maturity

 SCHEDULE OF SERVICE CHARGES AND FEES - effective 9-15-12

Product or Service

Service Charge or Fee

Account Activity Printout (per page)

$ 2.50

Business Bill-Pay

.35 per transaction

Business Debit Card Monthly Fee

$2.00 per card

Business Debit Card Replacement Fee

$5.00 per card

Check Safekeeping Copies

$2.00 each over 5 per statement

Checks and Personalized Savings Forms

prices may vary

Closed Account (if closed within the first year)

$35.00

Collection Item (Incoming and Outgoing)

$10.00

Currency and Coin Order

$ 1.75

Currency Deposited per $1,000

$ 0.90

Currency Withdrawn per $1,000

$0.55

Daily Overdraft Fee (Imposed on third business day)

$4.00 per day

Dormant Account (per month)

$7.00

Fax Fee

$2.00 + .50 per page

Foreign Exchange (all foreign checks must be in U.S. Dollars only)

Custom

Garnishment/Levy (Plus $30.00 per hour for research)

$75.00

Money Order

$3.00

Non-Sufficient Funds (NSF)
(A non-sufficient funds item may be created by check, in-person withdrawal, ATM withdrawal, or other electronic means.)

$32.00

Official Check

$ 5.00

VISA Gift Card

$ 4.00 per card

Research (per hour)

$30.00

Research Item (per page)

$ 2.00

Return Deposit Item

$ 7.00

Special Statements

$ 3.00

Stop Payment

$25.00

Wires (Incoming and Outgoing):

 

Domestic/International (other fees may be assessed)

$12.00/$32.00

 

 

 

 

 

 

Loan ProductsPersonal AccountsBusiness AccountsFinancial Calculators
Privacy Notice

Designed and Hosted by:
Net Doctors
Login