Business Interest Rates & Fees
Effective as of: January 22, 2024
Checking and Savings Accounts
| Name | Product Code | Min to Receive APY | Interest Rate | APY |
|---|---|---|---|---|
| 1st Business Interest Checking | 1031 | |||
| 1st Business Money Market Account | 1041 | |||
| 1st Select Business Savings | 2010 | |||
| 1st Elite Business Savings | 2013 |
INTEREST RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (866) 384-3226 to verify updated Interest Rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts.
APY = Annual Percentage Yield.
Certificates of Deposit
| Name | Product Code | Min to Receive APY | Interest Rate | APY |
|---|---|---|---|---|
| 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 |
INTEREST RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (866) 384-3226 to verify updated Interest Rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts. Early withdrawal penalties may be imposed.
APY = Annual Percentage Yield.
Schedule of Service Charges and Fees
Effective as of: December 1, 2023; Subject to Change
| Product or Service | Fee |
|---|---|
| Account Activity Printout (per page) | $5.00 |
| Business Debit Card Replacement Fee (Lost) | $10.00 per card |
| Business Debit Card Replacement Fee (Rush) | $40.00 |
| Cashier's Check | $7.00 |
| 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 |
| Continuous Overdraft Fee (imposed on third business day) | $4.00 per business day |
| Counter Checks | $2.00 per 3 checks |
| Currency and Coin Order | $2.00 |
| Currency Handled per $100 (in/out) | $0.15 |
| 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) | $5.00 per check |
| 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 | $2.00 each |
| Non-Bank Financial Institution Monthly Service Fee | $500.00 |
| Non-Bank Financial Institution Change Order Fee (per order) | $35.00 |
| Non-Customer Check Cashing Fee | $5.00 |
| Notary Service (Non-customers) | $10.00 per request |
| Overdraft Fee3 | $32.00 |
| Research (per hour) | $30.00 |
| Research Item (per page) | $2.00 |
| Return Deposit Item (chargeback) | $10.00 |
| Returned Item Fee3 | $32.00 |
| Special Change Order Fee (per order) | $35.00 |
| Special Statements | $5.00 |
| Stop Payment | $30.00 |
| Telephone Transfers | $2.00 |
| Wires (other fees may be assessed): | |
| Incoming Domestic Wire | $15.00 |
| Outgoing Domestic Wire | $25.00 |
| Incoming Foreign Wire | $35.00 |
| Outgoing Foreign Wire | $45.00 |
| Zipper Bag (First bag free - Business Accounts only) | $5.00 |
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. A returned item is shown on the account statement as a Returned Item Fee. A paid item is shown on the account statement as an Overdraft Fee.