Business Checking

Specialized checking accounts mean more extras where you need them the most. Low opening deposit? We’ve got it. Checking that pays you interest? We have that too.

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1st Business Checking

  • Ideal for small businesses and organizations with minimal activity
  • Detailed statements mailed at month-end
  • Free check images included with statement
  • 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
  • Business MASTERCARD Debit Card

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1st Analysis Checking

  • Designed for commercial businesses requiring specialized services; multiple accounts can be combined to offset activity fees
  • Earnings credit based on ledger balance (minus 10% reserve requirement) which helps offset actvity fees
  • Detailed statement mailed at month-end
  • Free check images included with statement
  • If transaction costs exceed earnings credit:
    • Monthly maintenance fee of $12.00
    • .14 per debit
    • .50 per deposit/.35 per Mobile Deposit
    • .20 per deposited item
    • Online Banking – No Charge
    • Bill Pay
    • See schedule of Fees and Service Charges for additional services available

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1st Business Interest Checking

  • Available to sole proprietors, non-profit organizations and government agencies
  • Earns interest on Daily Ledger Balances - paid monthly
  • Unlimited check writing
  • 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

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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+
  • Federal Regulations require a limit of 6 preauthorized withdrawals per month
  • Interest paid monthly on daily ledger balance
  • Monthly maintenance fee of $10.00 (if minimum daily balance of $1,500.00 not met)
  • Excessive transactions: $10.00 each after 6
  • Detailed statement mailed at month-end
  • Free check images included with statement
  • See Terms and Conditions Brochure for Additional Limitations

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Account Comparisons

Account NameEarns InterestMin to OpenMin to Earn InterestOnline BankingStatements
1st Business Checking No $100.00 N/A Yes Yes
1st Analysis Checking No $500.00 N/A Yes Yes
1st Business Interest Checking Yes $1,000.00 $1,500.00 Yes Yes
1st Business Money Market Account Yes $1,000.00 $2,500.00 Yes Yes

In 39 plus years as a business owner, I have worked with many banks but I rate 1st Bank Yuma number 1 in complete customer care.  Opening a checking account or loan request… they will handle it.
Don Peterson, Owner – DPE Construction