Business Checking Accounts

Every kind of business checking, for every kind of business. .

Whether your business is just starting out or has already made a name for itself, First Financial has a checking account that’s just right. And whichever stage your business is in today, we have a checking account that delivers. As your business needs change, so can the type of checking account.

If you’re a small business and just opening your doors, our Business First Checking is ideal. It’s designed for businesses that write fewer checks with limited activity. If you’re a growing business with increased transaction volume, our Business Checking may be right for you. And for larger businesses with more complex banking needs, our Business Analysis Checking offers unlimited transactions plus the advantage of earning credit to offset bank service charges.

Of course, if your situation calls for a checking account that can earn interest, we also offer two interest-bearing accounts. Our Business Interest Checking Account is an excellent choice to separate funds for a planned purpose. Fewer transactions are allowed; however, you can earn a little extra. For greater limited access to your money, our Business Money Market account helps you build short-term cash.

First Financial also offers a special checking account just for our business partners and their employees. It’s called First@Work and it’s filled with lots of benefits. With First@Work a First Financial Personal Banker will come to your business and introduce the account to your employees and executives. (First@Work requires employee authorization and participation in Direct Deposit Payroll.)

Speak with a First Financial Personal Banker today about which business checking account is right for you.

Business First Checking

For minimal check writing and transaction volumes.

  • $100 Minimum opening deposit
  • 500 Transactions per month (See Notes: option 1.)
  • FREE - No monthly fee
  • Business Check Card, subject to credit approval
  • Online Banking with E-Statements
  • Unlimited Online Bill Payment Services
  • Positive Pay
  • 24 Hour Banking by Phone
  • Unlimited Phone Customer Service
  • Check Images returned with monthly statements
  • Optional Combined Statements
  • Optional Sweep Protection (See Notes: option 4.)
  • Safe Deposit Box (3" X 5" size), coupon for one year free (See Notes: option 5.)
  • Never an ATM charge from us (See Notes: option 6.)

Notes:

1. Including deposited items, additional items 50 cents each.
2. The monthly service fee is waived if the average balance (ledger) meets or exceeds the minimum requirement.
3. Excludes trust investments and CDs.
4. Sweep from transaction account or line of credit. $5 fee per occurrence.
5. Subject to availability. Discounts for larger box sizes may be available. Key deposit required.
6. No charge from our banks. Any foreign ATM owner charges will still apply.

Business Analysis Checking
Flexible and cost effective for businesses with more complex needs.

  • $100 Minimum opening deposit
  • Unlimited transactions, analysis fees apply
  • Earnings allowance can offset analysis fees
  • Business Banking Services available
  • Business Check Card, subject to credit approval
  • Online Banking with E-Statements
  • Unlimited Online Bill Pay
  • Positive Pay
  • 24 Hour Banking by Phone
  • Unlimited Phone Customer Service
  • Check Images returned with monthly statements
  • Optional Combined Statements
  • Optional Sweep Protection (See Notes: option 4.)
  • Safe Deposit Box (3" X 5" size), coupon for one year free (See Notes: option 5.)
  • Never an ATM charge from us (See Notes: option 6.)
  • Ask us about First@Work employee checking!

Notes:
1. Including deposited items, additional items 50 cents each.
2. The monthly service fee is waived if the average balance (ledger) meets or exceeds the minimum requirement.
3. Excludes trust investments and CDs.
4. Sweep from transaction account or line of credit. $5 fee per occurrence.
5. Subject to availability. Key deposit required.
6. No charge from our banks. Foreign ATM charges will still apply.

Business Interest Checking Tiered interest account for businesses.

  • $100 Minimum opening deposit
  • 200 Transactions per month (See Notes: option 1.)
  • $10 Monthly fee, waived for an average daily balance of $2500 or more (See Notes: option 2.)
  • Business Check Card, subject to credit approval
  • Online Banking with E-Statements
  • Unlimited Online Bill Pay
  • Positive Pay
  • 24 Hour Banking by Phone
  • Unlimited Phone Customer Service
  • Check Images returned with monthly statements
  • Optional Combined Statements
  • Optional Sweep Protection (See Notes: option 4.)
  • Safe Deposit Box (3" X 5" size), coupon for one year free (See Notes: option 5.)
  • Never an ATM charge from us (See Notes: option 6.)
  • Earns tiered Business Interest rate based on collected balances. (Rates subject to change without notice.)

Notes:
1. Including deposited items, additional items 50 cents each.
2. The monthly service fee is waived if the average balance (ledger) meets or exceeds the minimum requirement.
3. Excludes trust investments and CDs.
4. Sweep from transaction account or line of credit. $5 fee per occurrence.
5. Subject to availability. Key deposit required.
6. No charge from our banks. Foreign ATM charges will still apply.

Business Money Market
Limited transaction investment account for businesses.

  • $250 Minimum opening deposit
  • Certain debit transactions are limited to 6 per month, $3 fee for each additional transaction
  • $12 monthly maintenance fee, waived for an average daily balance of $2500 or more (See Notes: option 2.)
  • Business Check Card, subject to credit approval
  • Online Banking with E-Statements
  • 24 Hour Banking by Phone
  • Unlimited Phone Customer Service
  • Check Images returned with monthly statements
  • Optional Combined Statements
  • Earns tiered Business Money Market interest rate based on collected balances. (Rates subject to change without notice.)
    • Notes:
      1. Including deposited items, additional items 50 cents each.
      2. The monthly service fee is waived if the average balance (ledger) meets or exceeds the minimum requirement.
      3. Excludes trust investments and CDs.
      4. Sweep from transaction account or line of credit. $5 fee per occurrence.
      5. Subject to availability. Key deposit required.
      6. No charge from our banks. Foreign ATM charges will still apply.

      Business Checking
      Terms and Monthly Fees

      • $100 Minimum opening deposit
      • 750 transaction items per month
      • $10 Monthly Balance fee, waived for:
        1. $10,000 average daily balance
        2. $25,000 in deposits
        3. $100,000 in loans or deposits
      • Business Check Card, subject to credit approval
      • Online Banking with E-Statements
      • Unlimited Online Bill Pay
      • Positive Pay
      • 24 Hour Banking by Phone
      • Unlimited Phone Customer Service
      • Check Images returned with monthly statements
      • Optional Combined Statements
      • Optional Sweep Protection (See Notes: option 4.)
      • Safe Deposit Box (3" X 5" size), coupon for one year free (See Notes: option 5.)
      • Never an ATM charge from us (See Notes: option 6.)

      Notes:
      1. Including deposited items, additional items 50 cents each.
      2. The monthly service fee is waived if the average balance (ledger) meets or exceeds the minimum requirement.
      3. Excludes trust investments and CDs.
      4. Sweep from transaction account or line of credit. $5 fee per occurrence.
      5. Subject to availability. Key deposit required.
      6. No charge from our banks. Foreign ATM charges will still apply.

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