Business Checking Accounts
Find the Account to Fit your Business
As a business owner, you’re looking for a checking account that will best suit your business, not a one-size-fits-all account. First National Bank offers you choices so you can select the account that will help you the most as you operate your business.
Available Business Checking Accounts
| CHECKING OPTIONS | First Business Checking | First Community Checking with Interest** | Business Checking | Business Money Market | Business First NOW** |
|---|---|---|---|---|---|
| Minimum Opening Deposit | $100.00 | $200.00 | $100.00 | $2500.00 | $2000.00 |
| Minimum Balance Requirement | None | None | None | $2500.00 minimum daily balance | $2000.00 minimum daily balance |
| Monthly Maintenance Charges | None | None | $3.00 | $8.00 (if below minimum) | $15.00 each statement cycle (if below minimum) |
| Excess Transaction Charges | First 100 debits and credits free per month and $.25 per item thereafter First 100 deposited transit checks free per month and $.10 per item thereafter | First 100 debits and credits free per month and $.25 per item thereafter First 100 deposited transit checks free per month and $.10 per item thereafter | A per item fee of $.10 for each debit or credit. You will earn a $.10 credit for each $100 of average collected balance in your account. A per item fee of $.10 for each deposited transit check. | A fee of $7.50 will be charged for all debits in excess of 6 during a statement cycle. | A per item fee of $.24 will be charged for each debit in excess of 20 during a statement cycle. A deposit fee of $.12 will be charged for all deposited not-on-us checks. |
| Interest Earnings | N/A | Variable-paid monthly. $5000 average daily collected balance to earn interest. | Earnings credit cannot exceed your total per item and periodic fees. | Variable-Paid monthly | Variable – Paid monthly |
| Check Images with Statement | Yes | No | May choose images with statement | May choose images with statement | May choose images with statment |
| ATM Access | Yes | Yes | Yes | Yes | Yes |
| Check Card Access | Yes | Yes | Yes | Yes | Yes |
| ATM / Check Card Annual Fee | $12.00 + tax | $12.00 + tax | $12.00 + tax | $12.00 + tax | $12.00 + tax |
| ATM Transaction Fee * | None | None | None | None | None |
| FIRST Line Access | Yes | Yes | Yes | Yes | Yes |
| FIRST Line Fee | $2.00 per transfer | $2.00 per transfer | $2.00 per transfer | $2.00 per transfer | $2.00 per transfer |
| FIRST Net Internet Banking Access | Yes | Yes | Yes | Yes | Yes |
| Online Bill Pay | Free | Free | Free | Free | Free |