Business
Checking
Small Business Checking
If you’ve got a business, you’ve got a need for checking. We have a range of business checking accounts that are flexible, convenient and business friendly.
| Key Business Checking | |
| Minimum opening deposit: | $100.00 |
| Monthly maintenance fee: | $7.50 |
| Minimum balance to avoid monthly maintenance fee: | $500.00 |
| Number of debits and credits:
• First 125 items are free each additional item is |
$.35 |
| No charge for change or night drop | |
| Free Online banking | |
| Community Business Checking | |
| Minimum opening deposit: | $100.00 |
| Monthly maintenance fee: | $12.50 |
| Minimum balance to avoid monthly maintenance fee: | $2,500.00 |
| Number of debits and credits:
• First 300 items are free each additional item is |
$.25 |
| No charge for change or night drop | |
| Free Online banking | |
| Community Business Plus Checking | |
| Minimum opening deposit: | $100.00 |
| Monthly maintenance fee: | $15.50 |
| Minimum balance to avoid monthly maintenance fee: | $5,000.00 |
| Number of debits and credits:
• First 500 items are free each additional item is |
$.25 |
| No charge for change or night drop | |
| Free Online banking | |
———————————————————————————————–
Analysis Checking
| Community Commercial Analysis Checking | |
| Monthly maintenance fee: | $8.00 |
| Per check or debit item paid: | $0.12 |
| Per deposited or credited item: | $0.085 |
| Deposits (per deposit): | $0.25 |
| Each ACH debit/credit: | $0.04 |
| Rolled coins furnished (per roll): | $0.085 |
| Currency furnished (per $1,000): | $0.25 |
| Free Online banking | |
———————————————————————————————–
Earnings Credit Rate
- If the account’s average available balance* is $25,000 or more, the earnings credit rate for the statement cycle will be the 13 week T-bill rate as of the last Friday of the previous month.
- If the account’s average available balance* is less than $25,000, the earnings credit rate for the statement cycle will be the 13 week T-bill rate as of the last Friday of the previous month, minus 200 basis points.
*Average available balance is calculated as follows:
Average ledger balance
• Uncollected funds
• Average collected balance
Average collected balance
- 10% reserve requirement
- Average available balance
———————————————————————————————–
Community CIVIC Checking
(Designed specifically for non-profit organizations)
| Minimum opening deposit: | $50.00 |
| Monthly maintenance fee: | N/A |
| Minimum balance to avoid monthly maintenance charge: | N/A |
| Free Online banking |
———————————————————————————————–
Community IOLTA Checking
| Monthly maintenance fee: | N/A |
| Minimum balance to avoid monthly maintenance charge: | N/A |
| Interest method: compounded daily, paid monthly on collected balances | |
| Interest tiers | |
| Free Online banking |
———————————————————————————————–
Business Interest Checking
| Community Business Interest Checking | |
| Minimum to open: | $200.00 |
| Monthly maintenance fee: | $7.50 |
| Minimum balance to avoid monthly maintenance fee: | $2,500.00 |
| Interest method: daily compounding available balance | |
| Interest tiers | |
| Free Online banking |
THE FCB "KEY" Advantages!
- Extended Hours
- Coin Counters
- All Day Posting Hours
- ATM Anywhere!
- CoinLink
