First State Bank

Writing checks is an important part of any business. Having the right bank can be the difference between success and confusion. At First State Bank we help businesses find the best account for their individual needs. That's Real Banking. That's First State Bank. Which checking account is a good fit for your business? Click here to email a business banker!

Account	Minimum Opening Deposit	Monthly Maintenance Fee	Per Check Charge	Per Item Deposit Charge	Earnings Credit or Interest Earned	Restrictions & Limitations
Commercial Checking	$300	$5.00 per month	12¢	7¢ per non-First State Bank check deposited	Earnings Credit(1)	N/A
Commercial NOW Account Checking	$500	$5.00 per month, waived if $500 Minimum balance is maintained	10¢	7¢ per non-First State Bank check deposited	Interest earned at a tiered rate	Restrictions on the types of businesses eligible (2)
Non-profit/Club Checking	$50	N/A	10¢ each after 10	N/A	N/A	Cancelled checks are safe kept

(1) Your monthly service charge will be reduced by the amount of your earnings credit. The earnings credit will be calculated on the Average Collected Balance for the month, less the 10% reserve requirement. The earnings credit rate is based on the average 90-Day Treasury Bill yield for the previous month.

(2) There are federal regulations limiting the types of businesses that can have a NOW account. Entities organized to make a profit such as corporations, partnerships, associations or other organizations may not maintain NOW accounts.