• Community First Checking*
• Commercial First Checking*
• Small Business First Checking*
• First Friends Money Manager*
• Business First Savings

A * denotes accounts for which monthly or yearly CD Rom statement information is available.

Community First Checking*

Available to Non-Profit Organizations active in community service

• $2.50 maintenance fee waived if minimum daily balance is above $500 or if average daily balance is above $1500 in a statement cycle
• $0.25 per check or withdrawal after the first 20 each statement cycle
• $100 deposit required to open
• Convenient check images returned with statement

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Commercial First Checking*

For larger businesses with many transactions

• $10 maintenance fee per statement cycle
• $0.15 per debit item, $0.15 per deposit ticket, $0.08 per deposit item
• Earnings Credit: The investable balance, defined as the average collected balance less 3% Federal Reserve Requirement, will earn a credit based upon current Money Market Rates. Rates subject to change on a daily basis.
• $100 deposit required to open
• Convenient check images returned with statement

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Small Business First Checking*

Affordable convenience for even the smallest business

• $10.00 maintenance fee waived with average daily collected balance of $3000 or more in a statement cycle
• 75 debit items (checks or withdrawals) included per statement cycle, $0.25 per item thereafter
• 100 deposit items per statement cycle included, $0.15 per item thereafter
• $100 deposit required to open
• Convenient check images returned with statement

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First Friends Money Manager*

(For Non-Profit Organizations and Sole Proprietorships)

• $100 deposit required to open
• $0.15 per debit item (i.e. check or withdrawal)
• $0.15 for each deposit ticket
• $.08 for each deposit item
• Earns interest on minimum daily collected balances of $1500 and above
• $10 maintenance fee waived if average collected balance is greater than $1000 in a statement cycle
• Interest compounded and credited monthly
• If the account is closed before interest is credited, accrued interest will not be received

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Business First Savings

• Earns interest on daily collected balances of $1000 and above
• Interest is compounded and credited quarterly
• $250 deposit required to open
• Minimum daily balance of $1000 to avoid a $10 quarterly maintenance fee
• Allows for 6 withdrawals per month to a third party or transfers to another account of owner (Fee for excess withdrawals is $10 per item).

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Business First Money Market Account

• $1000 deposit required to open the account
• $1500 minimum balance required to avoid the $8.50 maintenance fee
• Earns interest on daily collected balances of $1500 and above
• Allows for 6 withdrawals per month to a third party or transfers to another account of the owner, of which only three withdrawals may be third party drafts or checks. (Fee for excess withdrawals is $10 per item.)
• Interest compounded and credited monthly and accrued through closing date of account
• Interest Rate Schedule (Based on daily collected balance)
• Balance is less than $1500 -- 0%
• Balance is $1500 to $9,999 -- FMM Rate 1
• Balance is $10,000 to $24,999 -- FMM Rate 2
• Balance is $25,000 to $49,999 -- FMM Rate 3
• Balance is $50,000 or more -- Bonus FMM Rate

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