Business Checking Services

Our Business Checking Accounts are structured to meet the needs of the various types of businesses in our community. Your business demands are unique. Whether you are a small business or a large corporation, First Nations Bank offers a complete range of checking products designed to best suit the needs of your business.

Minimum opening deposit:	$100.00
Minimum balance:	None.
Monthly maintenance fee:	None.
Transaction Limitations*:	200 transactions or less per month
Excess Service Fees:	There is a $.45 maintenance fee per transaction over 200 per month.
Check-imaging:	Free.
Combined Statements:	Free.
Online Banking:	Free.
Business Visa® Check Card:	Subject to credit approval.
Business Credit Card:	Subject to credit approval.
Added Value**:	Free Intropack at account opening

*Transactions include deposits, checks paid, ACH debits and credits, ATM and POS debits and credits.
**Free Intropack includes: 150 - 3 on a page checks, 200 Deposit Tickets, Endorsement Stamp & Cover.

Enjoy these additional valued services:

• Detailed monthly statement
• First Connect 24-Hour Telephone Banking
• Direct Deposit Available
• Merchant Services
• Night Depository Service
• Payroll Services
• Telephone and online transfers to and from your First Nations Bank Business accounts

For small and growing businesses, our Freedom Business Checking provides common sense checking. It’s easy to manage without having to worry about complicated fee structures.

Minimum opening deposit:	$1,000.00
Minimum balance:	$1,000.00
Monthly maintenance fee:	A $10.00 monthly maintenance fee will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Transaction Limitations*:	400 transactions or less per month
Excess Service Fee:	There is a $.45 maintenance fee per transaction over 400 per month.
Check-imaging:	Free.
Combined Statements:	Free.
Online Banking:	Free.
Business Visa® Check Card:	Subject to credit approval.
Business Credit Card:	Subject to credit approval.

*Transactions include deposits, checks paid, ACH debits and credits, ATM and POS debits and credits.

Enjoy these additional valued services:

• Detailed monthly statement
• First Connect 24-Hour Telephone Banking
• Direct Deposit Available
• Merchant Services
• Night Depository Service
• Payroll Services
• Telephone and online transfers to and from your First Nations Bank Business accounts

If your business has higher transaction volumes and higher balances, our Regular Business Checking account may be more appropriate for you. Service fees on your business checking account will be offset by an Earnings Credit based on your deposit balances and may offset your monthly fees.

Minimum opening deposit:	$1,000.00
Monthly maintenance fee:	A $10.00 monthly maintenance fee will be imposed every statement cycle. Fee may be offset by earnings credit.
Transaction Limitations*:	Unlimited.
Transaction fees per monthly statement cycle:	Per check fee paid: $.15 Per item deposited: $.15 Per deposit: $.25 Transaction fees may be offset by earnings credit.
Check-imaging:	Free.
Combined Statements:	Free.
Online Banking:	Free.
Business Visa® Check Card:	Subject to credit approval.
Business Credit Card:	Subject to credit approval.

*Transactions include deposits, checks deposited, checks paid and ACH credits and debits.

Enjoy these additional valued services:

• Detailed monthly statement
• First Connect 24-Hour Telephone Banking
• Direct Deposit Available
• Merchant Services
• Night Depository Service
• Payroll Services
• Telephone and online transfers to and from your First Nations Bank Business accounts

Earn interest on your checking account balance with this account, designed for qualifying businesses with limited account activity. The maintenance fee can be avoided by maintaining minimum balances. We know you work hard for your money—that's why this account works hard for you. Our Business Now Account is perfect for sole proprietors and eligible non-profit organizations with moderate transaction volumes.

Minimum opening deposit:	$1,500.00
Minimum balance to obtain the annual percentage yield disclosed:	You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
Monthly maintenance fee:	A $12.00 monthly maintenance fee will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
Compounding and Crediting frequency:	Interest will be compounded and credited monthly.
Transaction Limitations*:	Unlimited.
Check-imaging:	Free.
Combined Statements:	Free.
Online Banking:	Free.
Business Visa® Check Card:	Subject to credit approval.
Business Credit Card:	Subject to credit approval.

*Transactions include deposits, checks deposited, checks paid and ACH credits and debits.

Enjoy these additional valued services:

• Detailed monthly statement
• First Connect 24-Hour Telephone Banking
• Direct Deposit Available
• Merchant Services
• Night Depository Service
• Payroll Services
• Telephone and online transfers to and from your First Nations Bank Business accounts

Exactly what you need—a simple and flexible business account.

Are you interested in earning competitive interest rates on short-term funds without tying up your money? If so, our Business Money Market Account is perfect for your business needs.

Minimum opening deposit:	$2,500.00
Minimum balance to obtain the annual percentage yield disclosed:	You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Monthly maintenance fee:	A $15.00 monthly maintenance fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Compounding and Crediting frequency:	Interest will be compounded and credited monthly.
Transaction Limitations*:	Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per monthly statement cycle with no more than three by check, draft or similar order to third parties.
Excess Service Fee:	A maintenance fee of $5.00 will be charged for check over 3 and each transaction in excess of 6 per statement cycle.
Check-imaging:	Free.
Combined Statements:	Free.
Online Banking:	Free.
Business Visa® Check Card:	Subject to credit approval.
Business Credit Card:	Subject to credit approval.

*Transactions include deposits, checks deposited, checks paid and ACH credits and debits.

Enjoy these additional valued services:

• Detailed monthly statement
• First Connect 24-Hour Telephone Banking
• Direct Deposit Available
• Merchant Services
• Night Depository Service
• Payroll Services
• Telephone and online transfers to and from your First Nations Bank Business accounts

First Nations Bank will assist you in managing the cash flow among the various types of accounts you need to operate your business. This service is ideal for those companies that have multiple accounts, such as a general operating account, a payroll account and a commercial money market or savings account. Please contact our Personal Banking Department for more information at (773) 594-5900.