Business Banking User Rating

All of our business checking products offer:

• No monthly fee
• Only $100 to open
• No per-check charge
• No minimum balance required
• FREE Visa® Business Check Card (with CURewards™ Program)
• FREE Online Bill Pay with unlimited usage
• FREE eStatements (online statements)
• FREE Info 24 (telephone teller)
• FREE access with no-surcharge ATM Network
• Overdraft Protection
• Unlimited withdrawals and deposits – withdraw up to $500.00 per day from your Business Interest Checking account with your Business VISA Check Card.

• Business Checking (designed for high volume businesses) - Also offers up to 150 free transactions monthly.
• Community Checking(specially created for non-profit and civic organizations) - Unlimited free transactions monthly.
• Business Interest Checking (enables you to earn interest monthly on your balances) - Includes up to 100 free transactions monthly

Checking Account Comparison Chart

Specially create for...	Business Checking High Volume Businesses	Community Checking Non-Profit and Civic Organizations	Business Interest Checking Earning interest monthly on your balances
Monthly Maintenance fee	None	None	None
Minimum balance requirement	None	None	None
Fee Transactions*	150 per month / $0.25 per item over allowance	Unlimited	100 per month / $0.25 per item over allowance
Membership Share (Required to open and maintain an account)	$5.00	$5.00	$5.00
Membership Fee (One time fee)	FREE	FREE	FREE
VISA Business Check Card	FREE	FREE	FREE
Online Banking including Bill Pay	FREE	FREE	FREE

*Transactions include checks written and deposited items.

• No monthly fee (if this is your only business account, a $50 balance is required to avoid a monthly maintenance fee)
• Earn monthly dividends
• Free Business ATM card
• Surcharge-free ATM Network
• Free eBranch (online banking)
• Free eStatements (online statements)
• Free Info 24 (telephone teller)

• No monthly fee
• Low minimum account balance requirements
• Up to 6 withdrawals per month with 3 by check
• Free online banking
• Free eStatements (online statements)
• Free Info 24 telephone teller

• $500 minimum deposit to open
• Flexible terms (from 90 days to 60 months)
• Free online banking
• Free eStatements (online statements)
• Free Info 24 (telephone teller)

• Pay and receive your bills online
• Sophisticated technology to protect your information
• Set up recurring automatic payments to pay repeating bills, such as a mortgage or car payment
• Schedule payments ahead of due dates, or make many payments the same day or next day
• The useful calendar tool can determine the earliest available payment date
• View pending and recent payments and up to 6 months of payment history
• Use our convenient Bill Reminder feature to notify you when a payment needs to be scheduled
• Receive eBills – electronic versions of your bills that contain the same information as your paper bills

Help Your Business

• Offer customers a greater range of choices in making payments
• Improve cash flow
• Prompt credit for your deposits
• Simplify daily and monthly deposit reconciliation processes
• Combined reporting and statements for each payment type
• Risk management programs to minimize business owner exposure to fraud losses
• Consolidate and automate electronic deposits to your accounts
• Flexible product and pricing options to best meet specific merchant needs
• Use our convenient Bill Reminder feature to notify you when a payment needs to be scheduled
• Receive eBills – electronic versions of your bills that contain the same information as your paper bills

Help Your Customers

• Choose from multiple payment methods at the point-of-sale
• Buy what they need without being limited by the amount of cash they have on hand
• Take comfort in knowing payments are fast, reliable and secure

Remote Deposit Capture supports virtually any commercial entity that accepts checks as a form of payment. This Web-based electronic payment processing system converts paper-based checks into electronic transactions, processes them through the ACH or Check 21 image exchange networks, automates returned check re-presentment, generates real-time reporting and supports proactive risk management. This innovative solution also supports one-time payments by accepting check and bank account information over the Internet and processing the transactions in a totally secure environment.

It combines the advantages of ACH processing with the convenience of the Internet—enabling you to deposit customer checks, pay bills, concentrate cash from multiple accounts and make tax payments all directly from your business office. This makes managing your business finances easier and convenient—saving you time and money

 

Through our partnership with PayChex ™, you can simplify your payroll process. PayChex ™ offers businesses the comprehensive services of a national payroll provider, backed by dedicated, local Payroll Specialists. This rare combination helps you easily manager employee information and simplify your entire payroll process from processing to payday.

When you sign up for PayChex™ payroll, you’ll receive a complete payroll package each pay period. Inside you’ll find processed payroll checks with essential management reports and supplies, including:

• Employee earnings statements
• Payroll journals
• Month-to-date department summaries
• A notice of cash needed to cover payroll expenses and tax liabilities
• Timely and accurate notifications of tax liabilities and deposits
• Payroll worksheets to record your next payroll

• Special incentives and discounts for your employees to become Community First members
• Community First at Work provides financial benefits for you and your employees
• Increases employee satisfaction without decreasing your bottom line