Business Credit
• Revolving Line of Credit –for short term working capital and seasonal borrowing.
• Term Loan –for long term capital asset/equipment purchases.
• Construction Loan –interest only construction financing.
• Commercial Mortgage Loan –for real estate term financing.
Business Deposit Accounts
• FirstFree Business Checking –No minimum balance requirement, free on-line banking-inquiry only, 200 debits per month free, debit card access.
• BusinessFirst Checking –for higher monthly check writing&deposit activity which may also have additional cash management services. Minimum balance requirement of $10,000, earnings credit allowance that will help offset monthly service charges*, free on-line banking-inquiry only.
• FirstRate MoneyMarket Account –Minimum $5,000 balance requirement, monthly statements, high yield savings for accounts with larger balances, limited debit activities.
• FirstChoice Statement Savings –Minimum $1,000 balance requirement, monthly statements, earns interest.
Cash Management
• Investment Sweep –for automated daily investment of excess business balances.
• Credit Sweep –for automated daily Line of Credit advances or paydowns.
• Business Bank Cards –for purchasing, travel/entertainment convenience and record keeping.
Courier Service
We can save you valuable time with our convenient courier service. Simply call us and we’ll pick up your deposits, deliver documents, whatever you need.
*Because the law does not allow the payment of interest on certain business checking accounts, the earnings allowance can be used only to offset service charges. An earnings allowance credit will be applied to your average monthly collected balance (less reserves required by law). FDIC insurance premium may be assessed monthly per $1,000 of average ledger balance. Premium is based on FDIC-mandated rate adjustments and may change from time to time; currently 0%.

Products/services shown are subject to availability. FNBM 4/06