Business Checking Solutions

We offer the right financial tools and solutions for the efficient operation and successful growth of your business.

Business Checking Account

A basic and straightforward checking account designed specifically for small business customers with low-to-moderate activity and who do not have a current need for ancillary products such as ACH Services, Positive Pay, or Remote Deposit Capture. These and other Treasury Management Services require our Commercial Checking product.

  • Low $6.00 monthly maintenance fee may be waived with compensating average collected balances. Ask for details.
  • No minimum balance to maintain
  • First 200 items included, low-cost per item thereafter
  • Monthly imaged statement of account activity or eStatements
  • Free Business Debit Card
  • Business Online Banking
  • Plus additional services designed to enhance the operation of your start-up or growing business (1)

(1) Fees and conditions may apply to other products and services offered. Contact us 888-827-5564 for the specific terms that apply to products and services. Terms and conditions of accounts, products, programs and services are subject to change.

 

Commercial Checking Account

If you are looking to maximize the cash flow of your business by incorporating cash management tools or other specialized services, our Commercial Checking is the right option for your unique business needs.

  • Monthly maintenance fee (2)
  • Per-item fee schedule
  • Competitive cost for clearing deposited items
  • Earnings Credit

    This feature enables your business to save money through offsetting service charges (such as maintenance fees, per-debit fees, and deposited item fees) by maintaining average collected balances. Your account will earn a credit on the average collected balance based on a 13-week average of the 91-day T-bill discount rate. Reserves of 10% will be withheld before that credit is calculated. Interest will be assessed on negative daily collected balances at the Wall Street Journal Prime Rate plus 4.5%.
  • Complimentary Business Debit Card
  • Plus optional Treasury Management tools tailored to the way you do business

(2) The Commercial Checking Account fee is assessed monthly, and is not a flat fee. Fees and conditions apply to Business Online Banking and other Treasury Management products and services offered. Please contact a First National 1870 Treasury Management representative at 888-827-5564 for the specific terms that apply to products and services. Terms and conditions of accounts, products, programs and services are subject to change.