Checking Accounts

1st Commercial Checking

• $500.00 minimum deposit to open
  
• $10.00 monthly service charge
  The service charge can be avoided by maintaining a $1000.00 minimum daily ledger balance.
  
• Unlimited check writing
  
• Unlimited debits, credits and deposited items
  
• Free internet banking with ManateEpay (bill pay service)
• Interest bearing account. Interest is compounded daily on the ledger balance and credited to your account monthly.

1st Business Checking Account

• $500.00 minimum deposit to open
• No monthly service charge
• Unlimited check writing
• Unlimited debits, credits and deposited items
• Free internet banking with ManateEpay (bill pay service)
• Non-interest bearing account
• Free monthly image statement

1st Business NOW

• Available to Sole Proprietorships and Non-Profit Organizations
• $500.00 minimum deposit to open
• $10.00 monthly service charge

The service charge can be avoided by maintaining a $500.00 minimum daily ledger balance.

• Unlimited check writing
• Unlimited debits, credits and deposited items
• Free internet banking with ManateEpay (bill pay service)
• Interest bearing account.  Interest is compounded daily on the ledger balance and credited to your account monthly. 

Savings Account

1st Business Savings

• $100.00 minimum deposit to open
• Interest is compounded daily on the ledger balance and credited to your account quarterly. 
• $5.00 monthly service charge

The service charge can be avoided by maintaining a $100.00 minimum daily ledger balance.

• Six (6) total withdrawal or debit transactions allowed per month; additional debits are $5.00 each, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
• Free quarterly image statements

Money Market Account

1st Business Money Market

• $1000.00 minimum deposit to open
• $10.00 monthly service charge

The service charge can be avoided by maintaining a $2500.00 minimum daily ledger balance.

• Free internet banking with ManateEpay (bill pay service)
• Tiered interest rate structure.  Interest is compounded daily on the ledger balance and credited to your account monthly.  You must maintain the minimum tiered balance(s) to earn the stated Annual Percentage Yield shown on the rate sheet.   The tiered rate structure is shown on the rate sheet.
• Six (6) total withdrawal or debit transactions allowed per month; additional debits are $5.00 each, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
• Free monthly image statements

Certificates of Deposit

• $500.00 minimum deposit to open
• Competitive guaranteed rates
• Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity.
• Withdrawal of interest will reduce earnings.

Ask about Remote Data Capture!
Make non-cash deposits and payments right from your office computer.  Ask your customer service representative for more information.