Business Banking Solutions

First National Bank’s Business Checking is the perfect option for your commercial checking account needs. Your money actually works for you while it is in the bank by earning a competitive earnings allowance based on your average daily positive collected balances.  This allows you to offset checking fees based on your account balance.


Commercial Checking

A commercial checking account requires a minimum deposit of $100.00.

Maintenance Fees: Commercial accounts are charged based upon account analysis.  Through account analysis, a monthly maintenance fee for $10.00 will be charged each statement cycle. Also, $.15 will be charged for each debit transaction like withdrawals, checks paid, automatic transfers, or payments out of this account.  Fees will be charged through account analysis and are subject to change at our discretion.


Commercial Money Market Account

The Money Market Account is an interest bearing account and requires an opening deposit of $2,500.00 or more.

Minimum Balance Requirement: Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.  You may make six (6) transfers from your account each four (4) week or similar period if they are preauthorized or automatic transfers, or telephone (including data transmission) agreement, order or instruction to third parties.

Maintenance Fee: A monthly maintenance fee of $10.00 will be billed in the event the average daily balance falls below $2,500.00 during a given statement cycle.


Commercial Certificates of Deposit

CD Type Minimum Opening Deposit
30 Day Certificate $500
3 Month Certificate $500
6 Month Certificate $500
12 Month Certificate $500
18 Month Certificate $500
30 Month Certificate $500

* Rates for these accounts will be listed on the Rates page.


Internet Banking

Online banking is an avenue through which First National Bank is able to provide the most convenient and technologically advanced financial services to our customers.  Internet Banking with First National Bank offers 24 hour access to your account inquiries, in-bank transfers, electronic bill payment service, detailed transaction histories, and account statements. Our customers can download account information into software applications such as Microsoft Excel, Quicken, and Quickbooks.  Commercial customers benefit as well with cash management tools designed to streamline many of the tasks required to manage your business. Businesses receive all of the benefits of basic Internet banking plus ACH Origination and Payroll Direct Deposit.