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Business Checking

No two businesses are the same; therefore our wide array of account options will cater to your individual business needs:

  • Commercial Flat Fee - For Businesses with limited activity and smaller deposits
    • $100.00 Minimum Opening Deposit
    • Minimum Balance of $1,500.00 daily or $2,500.00 average minimum balance must be met to offset monthly maintenance fee of $10.00
    • 50 FREE debit items per month- $.30 for each additional item
    • 75 FREE deposited items per month- $.10 for each additional item
    • Monthly Statement with Free Check Images
    • Non-Interest Bearing Account
    • Free Visa Debit Business Card
    • Free Telephone Banking
    • Business Online Banking Services Available
    • Complimentary Overdraft Privilege Program, upon approval*
  • Commercial Checking with Analysis - For Businesses with higher transaction volume and larger deposits
    • $100.00 Minimum Opening Deposit
    • Account Analysis is a formula that takes into account an earnings credit which may be used to offset charges for transactions during the month.  Therefore, if the earnings credit is more than the total fees, the customer would not pay a monthly maintenance fee.
    • The Analysis charge is based on services used and transaction volumes such as:
      • Number of checks written
      • Number of items deposited
      • Number of deposits
      • Number of cash deposits
      • Change Order Service
      • Night Drop Service
      • ACH Service
    • Monthly Statement with Free Check Images
    • Non-Interest Bearing Account
    • Free Visa Debit  Business Card
    • Free Telephone Banking
    • Business Online Banking Services Available
    • Unlimited Check Writing
    • Complimentary Overdraft Privilege Program, upon approval*

 

  • Commercial Interest Plus - Good for Estate Accounts, Trust Accounts, Government Entities, Non-Profit Associations, & Sole Proprietors
    • $100.00 Minimum Opening Deposit
    • Minimum Balance of $2,000.00 daily or $4,000.00 average monthly balance must be met to offset monthly maintenance fee of $10.00 and $.30 per item
    • Interest Bearing Account
    • Balances over $50,000 receive premium rate
    • Monthly Statement with Free Check Images
    • Free MasterCard Debit Business Card
    • Free Telephone Banking
    • Business Online Banking Services Available
    • Complimentary Overdraft Privilege Program, upon approval*
  • Commercial Money Market - For businesses that would like to earn interest and keep investment accounts liquid to access funds as needed
    • $100.00 Minimum Opening Balance
    • Minimum daily balance of $2,500.00 or $5,000.00 average collected monthly balance must be met to offset monthly maintenance fee of $10.00
    • Interest Bearing Account
    • Balances over $25,000 receive premium rate
    • Limited to 6 Transactions per Statement Cycle/Unlimited withdrawals in person
    • Excessive withdrawal fee of $10.00 per item
    • Monthly Statement with Free Check Images
    • Free Telephone Banking

*Overdraft Privilege Program: 

Based on your banking relationship, you may be eligible for a $1000 Complimentary Overdraft Privilege on your commercial checking account.  This means that should you inadvertently overdraft your account, we have the discretion to cover your overdraft.  (Certain rules and conditions apply.  Please contact a FNBCC Customer Service Representative for more details.)

  • Please remember that an insufficient funds fee of $32 will be charged for each item that results in an overdraft.
  • Overdraft privilege is not a line of credit, and the privilege may be withdrawn by First National Bank of Coffee County at any time. 
  • Your next deposit will be used to repay the amount of the overdraft and the overdraft fee.
  • You must bring your account current within 30 days of the overdraft occurrence or the Overdraft Privilege will be removed from your account.
  • Please remember that this notice does not constitute a written agreement of an obligation or a prearranged agreement for First National Bank of Coffee County to pay your overdraft, and we may withdraw this privilege at any time.
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