Business Rates & Fees

Effective as of: June 12, 2020

Checking and Savings Accounts

NameProduct CodeMin to Recieve APYRateAPY
1st Business Interest Checking 1031
1st Business Money Market Account 1041
1st Select Business Savings 2010
1st Elite Business Savings 2013

* Monthly Requirements:
RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (928)783-3334 to verify updated rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts
Fees and minimum opening balance may differ for our Nogales Branch. Please contact our branch at (520) 397-9220.
APY = Annual Percentage Yield.
1.50% APY paid on balances up to $25,000.
.05% APY paid on balance over $25,000.
If account does not meet requirements during monthly cycle a .05% APY will be earned on the entire balance. $100 minimum opening deposit. No minimum balance required. No monthly service charge. Must be a Yuma County resident to open this account.

Certificates of Deposit

NameProduct CodeMin to Recieve APYRateAPY
7-31 Day 3200
32-89 Day 3201
90-179 Day 3202
180-364 Day 3203
1 Year 3212
18 Month 3218
2 Year 3224
3 Year 3236
4 Year 3248
5 Year 3260

RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (928)783-3334 to verify updated rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts. Early withdrawal penalties may be imposed.
*Fees and minimum opening balance may differ for our Nogales Branch. Please contact our branch at (520) 397-9220.
APY = Annual Percentage Yield.

Schedule of Service Charges and Fees

Effective as of: August 1, 2019; Subject to Change

Product or ServiceFee
Account Activity Printout (per page) $2.50
Business Debit Card Replacement Fee (Lost)  $5.00 per card
Check Copies $2.00 each over 5 per statement
Checks and Personalized Savings Forms prices may vary
Closed Account (if closed within 6 months) $35.00
Collection Item (Incoming and Outgoing $10.00
Currency and Coin Order $2.00
Currency Handled per $100 (in/out) $0.15
Daily Overdraft Fee (imposed on third business day)  $4.00 per day
Dormant Account (per month) $7.00
Escheatment Fee $50.00
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 Service Business (MSB) Monthly Service Charge $1,000.00
Money Service Business (MSB) Change Order Fee (per order) $35.00
Night Depository Bag $25.00
Night Drop Lost Key Replacement $20.00
Non-1st Bank Yuma ATM or Non-MoneyPass ATM Withdrawal $1.00 each
Non-Bank Financial Institution Monthly Service Fee $250.00
Non-Bank Financial Institution Change Order Fee (per order) $35.00
Non-Customer Check Cashing Fee $5.00
Non-Sufficient Funds (NSF)3 $32.00
Notary Service (Non-customers) $10.00 per request
Official Check $5.00
Overnight Card Delivery $40.00
Research (per hour) $30.00
Research Item (per page) $2.00
Return Deposit Item $7.00
Special Change Order Fee (per order) $35.00
Special Statements $3.00
Stop Payment $25.00
Telephone Transfers $2.00
Wires (other fees may be assessed):
Incoming Domestic Wire $15.00
Outgoing Domestic Wire $25.00
Incoming International Wire $35.00
Outgoing International Wire $45.00
Zipper Bag (First bag free - Business Accounts only) $5.00

*Fees and minimum opening balance may differ for our Nogales Branch. Please contact our branch at (520) 397-9220. Analysis fees may differ - refer to Analysis Fee Schedule by contacting any branch.
1 A Daily Overdraft Fee will also apply when any fee causes an account o drop below a zero balance.
2 Accounts become dormant after 18-months of account inactivity.
3 A non-sufficient funds item may be created by check, in-person withdrawal, ATM withdrawal, or other electronic means. This fee is charged whether the item overdrafts the account and the item is returned or paid.