Business Checking

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Business Checking Account Comparison Chart

	Description	Account Fees	Limitations	Rate Information	Balance Information
First Bank Business Account	THIS CHECKING ACCOUNT IS DESIGNED FOR ALL BUSINESS CUSTOMERS.	$5.00 monthly service charge, plus a $ .15 per item charge for each check written or debit made to the account (the first 30 items are at no charge) plus a $ .05 per item charge for each deposited check drawn on another financial institution. Earnings credit is based on the average collected balance maintained during a statement cycle calculated on a rate greater than or equal to the current NOW account.	You must deposit $100.00 to open this account.
NON-PERSONAL NOW ACCOUNT	THIS INTEREST EARNING BUSINESS ACCOUNT IS DESIGNED FOR SOLE PROPRIETORSHIPS, NON-PROFIT CORPORATIONS, ORGANIZATIONS AND PUBLIC FUNDS. THIS ACCOUNT HAS UNLIMITED CHECK WRITING PRIVILEGES.	$3.00 monthly service charge, plus a $ .10 per item charge for each check written or debit made to the account, plus a $ .10 per item charge for each deposited check drawn on another financial institution.	You must deposit $500.00 to open this account.	This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.	We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term "collected" means when we receive credit for items you deposit. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
NON-PERSONAL SUPER NOW ACCOUNT	THIS INTEREST EARNING BUSINESS ACCOUNT IS DESIGNED FOR SOLE PROPRIETORSHIPS, NON-PROFIT CORPORATIONS, ORGANIZATIONS AND PUBLIC FUNDS. THIS INTEREST CHECKING ACCOUNT EARNS THE MONEY MARKET ACCOUNT RATE ON BALANCES OF $2,500.00 OR GREATER AND THE NOW ACCOUNT RATE ON BALANCES OF $1,000.00 TO $2,499.99. ALLOWS UNLIMITED CHECK WRITING PRIVILEGES.	$7.50 monthly service charge if minimum daily balance falls below $2,500.00 during a statement cycle - no service charge if minimum daily balance is $2,500.00 or greater during a statement cycle.	You must deposit $2,500.00 to open this account.	This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.	We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term "collected" means when we receive credit for items you deposit. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
FIRST MONEY MARKET ACCOUNT	THIS IS AN INVESTMENT CHECKING ACCOUNT DESIGNED FOR PERSONAL AND BUSINESS USE. INTEREST RATES ARE DETERMINED BY NATIONAL AND AREA INTEREST MARKET TRENDS. THIS ACCOUNT HAS LIMITED CHECK WRITING PRIVILEGES AND USE OF DISTINCTIVE MONEY MARKET CHECKS ARE REQUIRED.	$6.00 monthly service charge if minimum daily balance falls below $1000.00 during a statement cycle - no service charge if minimum daily balance is $1000.00 or greater during a statement cycle, however, a per item charge of $6.00 will be assessed for each third party check or debit in excess of six (6) per statement cycle.	You must deposit $1,000.00 to open this account. Use of personalized money market checks purchased through the bank are required. You may make six (6) transfers from your account each four (4) week or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.	This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly	We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term "collected" means when we receive credit for items you deposit. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Description

First Bank Business Account

THIS CHECKING ACCOUNT IS DESIGNED FOR ALL BUSINESS CUSTOMERS.

NON-PERSONAL NOW ACCOUNT

THIS INTEREST EARNING BUSINESS ACCOUNT IS DESIGNED FOR SOLE PROPRIETORSHIPS, NON-PROFIT CORPORATIONS, ORGANIZATIONS AND PUBLIC FUNDS. THIS ACCOUNT HAS UNLIMITED CHECK WRITING PRIVILEGES.

NON-PERSONAL SUPER NOW ACCOUNT

THIS INTEREST EARNING BUSINESS ACCOUNT IS DESIGNED FOR SOLE PROPRIETORSHIPS, NON-PROFIT CORPORATIONS, ORGANIZATIONS AND PUBLIC FUNDS. THIS INTEREST CHECKING ACCOUNT EARNS THE MONEY MARKET ACCOUNT RATE ON BALANCES OF $2,500.00 OR GREATER AND THE NOW ACCOUNT RATE ON BALANCES OF $1,000.00 TO $2,499.99. ALLOWS UNLIMITED CHECK WRITING PRIVILEGES.

FIRST MONEY MARKET ACCOUNT

THIS IS AN INVESTMENT CHECKING ACCOUNT DESIGNED FOR PERSONAL AND BUSINESS USE. INTEREST RATES ARE DETERMINED BY NATIONAL AND AREA INTEREST MARKET TRENDS. THIS ACCOUNT HAS LIMITED CHECK WRITING PRIVILEGES AND USE OF DISTINCTIVE MONEY MARKET CHECKS ARE REQUIRED.

Account Fees

First Bank Business Account

$5.00 monthly service charge, plus a $ .15 per item charge for each check written or debit made to the account (the first 30 items are at no charge) plus a $ .05 per item charge for each deposited check drawn on another financial institution. Earnings credit is based on the average collected balance maintained during a statement cycle calculated on a rate greater than or equal to the current NOW account.

NON-PERSONAL NOW ACCOUNT

$3.00 monthly service charge, plus a $ .10 per item charge for each check written or debit made to the account, plus a $ .10 per item charge for each deposited check drawn on another financial institution.

NON-PERSONAL SUPER NOW ACCOUNT

$7.50 monthly service charge if minimum daily balance falls below $2,500.00 during a statement cycle - no service charge if minimum daily balance is $2,500.00 or greater during a statement cycle.

FIRST MONEY MARKET ACCOUNT

$6.00 monthly service charge if minimum daily balance falls below $1000.00 during a statement cycle - no service charge if minimum daily balance is $1000.00 or greater during a statement cycle, however, a per item charge of $6.00 will be assessed for each third party check or debit in excess of six (6) per statement cycle.

Limitations

First Bank Business Account

You must deposit $100.00 to open this account.

NON-PERSONAL NOW ACCOUNT

You must deposit $500.00 to open this account.

NON-PERSONAL SUPER NOW ACCOUNT

You must deposit $2,500.00 to open this account.

FIRST MONEY MARKET ACCOUNT

You must deposit $1,000.00 to open this account. Use of personalized money market checks purchased through the bank are required. You may make six (6) transfers from your account each four (4) week or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Rate Information

First Bank Business Account

NON-PERSONAL NOW ACCOUNT

This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

NON-PERSONAL SUPER NOW ACCOUNT

This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

FIRST MONEY MARKET ACCOUNT

This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly

Balance Information

First Bank Business Account

NON-PERSONAL NOW ACCOUNT

We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term "collected" means when we receive credit for items you deposit. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

NON-PERSONAL SUPER NOW ACCOUNT

We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term "collected" means when we receive credit for items you deposit. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

FIRST MONEY MARKET ACCOUNT

We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term "collected" means when we receive credit for items you deposit. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

The following fees apply to Checking; Interest Bearing Checking; and Money Market Accounts:

OVERDRAFT:

$30.00 fee will be charged each time an item is presented or represented, and this may result in multiple fees on a single item. This can be created by check, in-person withdrawal, or other electronic means (ACH). A continuing overdraft fee of $5.00 will be charged after 10 calendar days.

FUNDS MANAGEMENT PREAUTHORIZED TRANSFERS TO COVER ODs:

$3.50. If transferred funds are not sufficient in donor account then recipient account could still remain overdrawn and subject to overdraft or return check fees.

STOP PAYMENTS:

$20.00 per check or automatic debit OR $30.00 per series of checks (blanket stop payment)

CHECK - TEMPORARY:

$2.00 for 4 checks/minimum 4 checks

STATEMENT - MID CYCLE:

$1.00 Activity printout since last statement

STATEMENT - PRIOR:

$3.00 Prior statement with images

RECORD RESEARCH:

$20.00/hr., $3.00 per copy, $20.00 minimum

CHECKBOOK BALANCING:

$10.00 per hour - $10.00 minimum

EARLY ACCOUNT CLOSING:

$20.00 if account is closed within 90 days

DORMANT ACCOUNT:

Inactive 12 months and unable to contact by mail or phone - $5.00 monthly

CHECK ORDER:

Vary according to style

RETURNED ITEM:

A $30.00 fee will be charged each time an item is presented or represented and returned due to insufficient funds in the account. This can be created by check, in person withdrawal, or other electronic means (ACH). This may result in multiple fees on a single item

DEPOSIT ITEM RETURNED:

$4.00

MOBILE DEPOSIT:

$ .50 for each check deposited. Business/Commercial accounts have an additional $15.00 monthly fee.

COLLECTIONS

COLLECTION ITEMS IN/OUT: $10.00

OTHER SERVICES

AMORTIZATION SCHEDULES: $10.00 minimum
COIN COUNTING: 5% of total coin count. Applies to customer and non-customers.
ESCROW FEES: $150.00 minimum to establish $10.00 per payment
FAX IN: $1.00 per page
FAX OUT: $1.00 per page plus $1.00 toll fee
LAMINATING: $ 2.00 for letter size. $1.00 for smaller size. Sterling location
NOTARY SERVICE: $ 5.00 for non-customer
PHOTOCOPYING: .10 per copy

LEGAL PROCESS

GARNISHMENT/LEVIES: $20.00

OFFICIAL CHECK

CASHIERS CHECKS: $5.00
MONEY ORDERS: $3.00

SAFE DEPOSIT BOXES

SAFE DEPOSIT BOX RENTAL: Box sizes and rental rates available upon request
LATE PAYMENT: 10% after 30 days

WIRE TRANSFER

INCOMING: $10.00
OUTGOING: $15.00
NON U.S. IN/OUT: $40.00

First Bank Business Account

This checking account is designed for all business customers. The opening deposit amount is $100.00; and the monthly service charge is $5.00. There is a $.15 per item charge for each check written or debit made to the account.

Note: the first 30 items are at no charge. There is also a $.05 per item charge for each deposited check drawn on another financial institution. An earnings credit can reduce or eliminate the service charge.

For more information about our Business checking account, or if you would like to open an account, please contact us today.