Business Deposit Accounts

Your company’s deposits accounts are probably its most used financial tools.  At First Century Bank, N.A., we offer both commercial checking and savings accounts to help make your financial management and planning for the future much more efficient and easier on you.

Commercial Checking Accounts

First Commercial Basic

This account is designed for small businesses with limited monthly activity. There is no monthly minimum balance requirement for this account. The transaction limitations are: thirty (30) checks, twenty (20) deposits and one hundred (100) deposited items per month to avoid monthly service fees.

First Commercial Analysis

This commercial checking account is for larger businesses with high volume and activity in their account. The earnings credit of the business will be used to offset service fees. An internally administrated rate will be calculated on the collected balance.

First Commercial Non Analysis

This account is specifically designed for non-profit organizations and associations. There is no minimum balance requirement or service fee on this account.

First Commercial Interest Checking

This commercial interest bearing checking account pays current market rates while providing immediate and unlimited access to your funds. It is only available to non-profit organizations, sole proprietors or governmental units. This account is not available to corporations. If you do not maintain a $1,000 minimum balance each day of the statement cycle, or maintain a $2,000 minimum balance in a qualifying savings account, you will be charged a $8.25 service fee.

Commercial Savings Accounts

First Commercial Statement Savings

This commercial interest bearing account is for any business entity. You may make six (6) transfers from the account each four (4) week or similar period. A service fee of $3.00 will be charged in any month that the daily minimum balance in the account falls below $100.00.

First Commercial Money Market

This commercial interest bearing checking account pays current market rates. It is available for any business entity. You may make six (6) transfers from your account each four (4) week or similar period, but only three (3) may be payments by check to third parties. If you do not maintain $2,000 each day of the statement cycle, you will be charged a monthly service fee of $10.00. Withdrawals by check in excess of three (3) per month are assessed a $5.00 fee. Total withdrawals in excess of six (6) per month are assessed a $5.00 fee.

First Commercial Money Market Plus

All the benefits of a First Commercial Money Market are available with this account, but with added features. This account offers a PREMIUM INTEREST RATE for balances of $25,000 or over. You may make six (6) transfers from your account each four (4) week or similar period, but only three (3) may be payments by check to third parties. You must maintain a $25,000 minimum balance to obtain the "premium rate." If the balance falls below $25,000 you will receive the First Commerical Money Market interest rate. If you do not maintain a $2,000 minimum balance each day of the statement cycle, you will be charged a service fee of $10.00. Withdrawals by check in excess of three (3) per month are assessed a $5.00 fee. Total withdrawals in excess of six (6) per month are assessed a $5.00 fee. .