First Bank of Yuma - Yuma, Arizona

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

• 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

• 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