Business Checking

Business Banking Services

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.

1st Business Checking

Earns InterestMin to OpenMin BalanceOnline BankingStatements
$100 $0
  • 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 – 35¢ per transaction
  • Business VISA Debit Card –Upon Approval
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1st Exclusive Business Interest Checking

Earns InterestMin to OpenMin BalanceOnline BankingStatements
$100 $0
  • Ideal for small businesses and organizations
  • 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
  • Business VISA Debit Card –Upon Approval
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1st Analysis Checking

Earns InterestMin to OpenMin BalanceOnline BankingStatements
$500 $0
  • Designed for commercial businesses requiring specialized services; multiple accounts can be combined to offset activity fees
  • Earnings credit based on collected 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
    • .35 per deposit
    • .06 per deposited item
    • Online Banking – No Charge
    • Bill Pay – 35¢ per transaction
    • See schedule of Fees and Service Charges for additional services available
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1st Interest Analysis Checking

Earns InterestMin to OpenMin BalanceOnline BankingStatements
$500 $0
  • Designed for commercial businesses requiring specialized services
  • Earns interested on Daily Collected Balances - paid monthly
  • Detailed month-end statement including free check images
  • Online banking - No charge
  • Bill Pay - Free first 90 days, thereafter .25 per transaction
  • $500 opening deposit
  • Monthly maintenance fee: $8.00
  • .14 per debit
  • .35 per deposit
  • .06 per deposited item
  • See Schedule of Fees and Service Charges for additional services available
  • Rates effective 2/10/12
  • Some restrictions may apply
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1st Business Interest Checking

Earns InterestMin to OpenMin to earn InterestOnline BankingStatements
$1,000 $1,500
  • Available to sole proprietors, non-profit organizations and government agencies
  • Earns interest on Daily Collected 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 – 35¢ per transaction
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1st Business Tax Account

Earns InterestMin to OpenMin to earn InterestOnline BankingStatements
$1
  • 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
  • Monthly maintenance fee $6.00
  • $1.00 per debit over 4
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1st Business Money Market Account

Earns InterestMin to OpenMin to earn InterestOnline BankingStatements
$1,000 $2,500
  • 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
  • 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
  • See Terms and Conditions Brochure for Additional Limitations
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