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Business Deposit Products
- BUSINESS CHECKING
- Minimum to Open $500.00
- Earnings Credit Based on 90 day T-Bill Rate on Investable Balance
- $15.00 Monthly Maintenance Fee
- $35.00 Monthly Cash Management Fees (if selected)
- $0.15 on each Debit Item
- $0.15 on each Credit Item
- $0.08 on each Deposited Item
- Free VISA ATM/Debit Card
- Free ATM transactions at Access 1st ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (internet banking) with Bill Payment Services
- Cash Management Available
- Free Positive-Pay Check Fraud Protection
- Emailed or Mailed Statement includes Imaged Checks
- Free Business Checking Opening Kit (Commercial Checks, Deposit Slips, Binder and Endorsement Stamp)
- $750 Business Overdraft Privilege after 30 days
- SMALL BUSINESS CHECKING
- Minimum to Open $100.00
- No minimum balance requirement
- 1st 100 debits are free, $0.15 per item in excess of 100
- 1st 25 credits are free, $0.15 per item in excess of 25
- 1st 100 deposited items are free, $0.08 per item in excess of 100
- Free VISA ATM/Debit Card
- Free ATM transactions at Access 1st ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (internet banking) with Bill Payment Services
- Emailed Statement includes Imaged Checks
- Free Business Checking Opening Kit (Commercial Checks, Deposit Slips, Binder and Endorsement Stamp)
- $500 Business Overdraft Privilege after 30 days
- SMALL BUSINESS PLUS CHECKING
- Minimum to Open $250.00
- $1,000 Minimum or $1,500 Average Daily Balance to Avoid Monthly Service Charge of $12.00
- 1st 100 debits are free, $0.15 per item in excess of 100
- 1st 50 credits are free, $0.15 per item in excess of 50
- 1st 200 deposited items are free, $0.08 per item in excess of 200
- Free VISA ATM/Debit Card
- Free ATM transactions at Access 1st ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (internet banking) with Bill Payment Services
- Cash Management Available
- Free Positive-Pay Check Fraud Protection
- Emailed or Mailed Statement includes Imaged Checks
- Free Business Checking Opening Kit (Commercial Checks, Deposit Slips, Binder and Endorsement Stamp)
- $750 Business Overdraft Privilege after 30 days
- BUSINESS INTEREST CHECKING ACCOUNT (Regulations prohibit “partnerships” and “for-profit” corporations from holding NOW accounts)
- Minimum to Open $1,000
- $1,500 Minimum or $2,500 Average Daily Balance to Avoid Monthly Service Charge of $12.50
- Unlimited Check Writing
- Free VISA ATM/Debit Card
- Free ATM transactions at Access 1st ATM machine(s)
- Reimbursed ATM fees from other banks (when receipts provided)
- Free Access 1st Banking (internet banking) with Bill Payment Services
- Cash Management Available
- Emailed or Mailed Statement includes Imaged Checks
- Free Opening Business Checking Kit (Commercial Checks, Deposit Slips, Binder and Endorsement Stamp)
- Business Overdraft Privilege (after 30 days) of $750.00
BUSINESS SAVINGS ACCOUNTS
- SAVINGS
- Interest Bearing Account with a Variable Rate
- Minimum to Open $100.00
- $500 Minimum or $1,000 Average Daily Balance to Avoid Monthly Service Charge of $5.00 (first month waived)
- Six (6) Free Withdrawals per Month
- $5.00 fee assessed for each Withdrawal in excess of six per month
- Emailed or Mailed Statement includes Imaged Checks
- MONEY MARKET ACCOUNT
- Interest Bearing Account with a Variable Rate
- Minimum to Open $2,500
- Debit transactions limited, by regulation, to Six (6) per month by check, draft, debit card, or similar order
- $2,500 Minimum or $5,000 Average Collected Balance to Avoid Monthly Service Charge of $15.00
- Emailed or Mailed Statement includes Imaged Checks
- $10.00 fee assessed for each debit transaction over legal limit
- ACCESS ADVANTAGE MONEY MARKET ACCOUNT
- Interest Bearing Account with Variable Rates (tiered rates are based on collected balances)
- $50,000.00+ earns 90 day T-Bill rate
- $25,000.00 - $49,999.99 earns 90 day T-Bill minus 1.00%
- Less than $25,000.00 earns MMA rate
- Minimum to Open $25,000.00
- Debit transactions limited, by regulation, to Six (6) per month by check, draft, debit card, or similar order
- $25,000 Minimum or $50,000 Average Daily Balance to Avoid Monthly Service Charge of $15.00
- Emailed or Mailed Statement includes Imaged Checks
- $10.00 fee assessed for each debit transaction over legal limit
- Interest Bearing Account with Variable Rates (tiered rates are based on collected balances)
- CERTIFICATES OF DEPOSITS
- Minimum to Open $ 1,000
- Subject to early withdrawal penalties
- 90 Day Term Certificate @ Posted Rate
- 180 Day Term Certificate @ Posted Rate
- 1 year Term Certificate @ Posted Rate
- 2 year Term Certificate @ Posted Rate
- 3 year Term Certificate @ Posted Rate
- 4 year Term Certificate @ Posted Rate
- 5 year Term Certificate @ Posted Rate
