Business First Checking


Build your business bigger and better with a bank account that can handle the load. This account is a great way to manage your finances, offering up to 300 monthly transactions and affordable pricing if you need more.

  • 300 transactions per month
  • Free investment and trust consultations
  • Business credit card available*
  • Basic business pre-printed checks available
  • Free ATM/check card
  • Free eBusiness Banking
  • Free online statements
  • ID protection available
  • Automatic overdraft protection*
  • Direct deposit available
  • FDIC insurance
  • $300 deposit to open
  • This account will not bear interest

*Subject to credit approval.


Accounts with more than 300 transactions per month are analyzed to determine the charges for handling the account and the value of the average daily investable balance. The value is computed each statement cycle using an "earnings allowance," which is the 91-day U.S. Treasury Bills, less 100 basis points (1.00%) adjusted the first business day of the month.

The monthly charge for the account, if any, is determined only when the analysis charges for handling the account exceed the value of the account.

The charges for handling these accounts with more than 300 transactions monthly are detailed on the fee schedule below:

  • Account Maintenance Fee: $10 per month
  • FDIC assessment: 12¢ per $1,000
  • Checks posted: 15¢ each
  • ACH debit items: 5¢ each
  • Daily interest expense on negative collected balance: First United Index Rate plus 2%