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BUSINESS CHECKING ACCOUNT

  • You must deposit $300.00 to open this account.
  • Account maintenance is $7.00 per month.
  • Items that post to the account (checks, etc) are .15 cents per item.
  • No charge for deposits posted.
  • Credit will be given based on the banks NOW account rate times 90% of the average monthly balance.
  • No restrictions on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • This account receives a monthly statement with images of written checks.


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BUSINESS NOW ACCOUNT

  • A Corporation may not have a NOW account.
  • You must deposit $1,000.00 to open this account.
  • A minimum balance charge of $10.00 will be imposed every month if the daily balance of the account falls below $1,000.00 any day of the month.   You must maintain $1,000.00 daily not to have a minimum balance charge and to receive the accrued interest.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue on the business day you deposit non cash items.
  • No restrictions on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.

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BUSINESS SUPER NOW ACCOUNT

  • You must deposit $2,500.00 to open this account
  • A minimum balance charge of $12.50 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month.  You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest.
  • We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue on the business day you deposit non cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • No restriction on the number of checks you may write each month.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not  it is used in the period).
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.

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BUSINESS MONEY MARKET ACCOUNT

  • You must deposit $2,500.00 to open this account
  • A minimum balance charge of $12.50 will be imposed every month if the daily balance of the account falls below $2,500.00 any day of the month.   You must maintain $2,500.00 each day of the month not to have a minimum balance fee and to receive the accrued interest.
  • We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
  • Interest begins to accrue on the business day you deposit non cash items.
  • Interest on your account will be compounded monthly.
  • Interest will be credited to your account monthly.
  • During any month you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
  • Visa ATM/Debit card available with credit approval.
  • The charge for an ATM/Debit card is $1.00 per month (whether or not it is used in the period).
  • Please contact customer service at 256-845-6101 to obtain the current interest rate and annual percentage yield for this account.

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REMOTE DEPOSIT CAPTURE

Deposit checks for your business right from your desk! No more trips to the Bank! First State Bank’s Remote Deposit Capture is quick, easy and convenient. Just think, no more trips to the bank, standing in teller lines, or filling out deposit slips. Besides being fast and easy, you can make check deposits 24 hours a day, 7 days a week from the safety of your office. Remote Deposit Capture, also called Merchant Capture, gives a new meaning to the word CONVENIENCE! Call us today at 256-845-6101.

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