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Commercial
Services and Accounts |
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Your business efficiency
requires eliminating and managing overhead. Eliminating ongoing checking fees
with First Choice Community Bank's Free Small Business Checking,
you're off to a good start.
Discover a banking culture that's
designed around keeping your company prosperous. From daily
money management of long-term company plans, you'll notice a
refreshing flexibility and willingness to help.
When business opportunities arise,
you'll find that local loan decision-making means a quicker
availability of funds.
We'll even be glad to meet you at
your place of business. Welcome to banking that makes life easier. |
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Checking Accounts |
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Free Small Business
Checking
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Paying unnecessary expenses is
not good business. For smaller companies with limited
banking activity, Free Small business Checking helps reduce
company overhead month after month.
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Includes up to 300 transaction
items per month. A $10 service fee is only charged when the
300 item limit is exceeded. Ask for details.
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No minimum balance required, but
there is a $100 minimum opening deposit.
Business Interest Checking
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Available to sole proprietors
and non-profit organizations.
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Balances over $10,000 earn a
higher interest rate. Balances over $50,000 earn an even
more attractive rate.
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Interest is paid monthly.
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Earn interest every day on
account balances over $1,000. With a $1,000 average daily
balance you'll avoid the monthly service fee.
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$100 minimum opening deposit.
Analysis Checking
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The higher your balance, the
more your company will save. You'll earn credit on your
average daily balance, based on the Federal Funds rate to
apply against account fees.
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$100 minimum opening deposit.
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Business Savings |
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Earn interest on any balance,
with a competitive rate that adjusts to market conditions.
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There's no monthly service fee,
and up to six withdrawals or transfers are permitted per
statement cycle.
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Your account is FDIC protected.
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$100 minimum opening deposit.
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Business Money Market
Account |
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Interest is paid monthly.
Maximize your profits!
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Earn interest every day on
account balances over $1,000. With a $1000 average daily
balance you'll avoid the monthly service fee.
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Balances over $10,000 earn a
premium interest rate. Balances over $50,000 earn a
super-premium rate.
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Unlimited free withdrawals and
transfers are permitted when made in person. Otherwise, six
withdrawals or transfers are permitted per month, three of
which may be payments by check to a third party or debit
card, including point of sale.
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Your account is FDIC protected.
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$1,000 minimum opening deposit.
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Certificates of Deposit |
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Lock in
a great investment rate that's for the term of your CD.
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The
following terms are available: 6, 12, 18, 24, 36, 48, and 60
months. $500 minimum deposit.
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It's
your choice: interest can be paid monthly, quarterly,
semi-annually, annually or at maturity to the CD, or
transferred to any other account you choose.
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Certificates can be set up for automatic renewal for
your convenience.
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Penalty
may be applied for early withdrawal.
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Rate Climber CD |
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You have the option of a
one-time change during the term of the CD to the Bank's
current rate without penalty, or changing the original
maturity date.
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36-month term; $500 minimum
deposit; interest paid quarterly.
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Add-On CD |
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Looking for a great rate and
flexibility? You have the option of a one-time
withdrawal with no penalty.
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12-month term; $100 minimum
deposit; interest paid at maturity.
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Earn more on your extra cash
by making deposits as you like.
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IRAs |
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SEP IRA
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Small business owners and
sole proprietor can use a Simplified Employee Pension
IRA as their sole, or as an additional, tax-advantaged
retirement account.
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Contributions are made with
pre-tax dollars. Earnings and contributions grow
tax-deferred until that are withdrawn. A doubly strong
retirement investment!
Simple IRA
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An easy way for small
employers to match their employees' payroll-reduction
retirement contributions.
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See a First Choice banker
for details about various IRAs, including requirements
and yearly contribution limits.
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Business Loans |
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First Choice Business
Loans
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As community bankers, the business specialists at First
Choice go out of their way to support the needs and
success of community businesses. Since they have
experience in the local area and markets, they can offer
useful suggestions to help reduce your company's costs
and risks.
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Get funding quickly to take advantage of fleeting
business opportunities.
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Growing companies will find ready capital with flexible
terms for new equipment, inventory, or the construction of
new or additional facilities.
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Get the money you need for starting up new businesses,
or for acquisition and development.
Commercial Real Estate
Loans
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Tell us about your plans,
and your First Choice banker will find the smartest way
to borrow.
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Use your loan to purchase
land or existing buildings for expanded facilities or as
investment properties.
Business Line of
Credit
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Online Banking |
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Bank in your home or at the
office 24/7 via the Internet-free of charge.
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View and download account
information, including statements for the last 12
months.
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Transfer funds between
accounts.
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Request stop payments.
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Online Bill
Pay |
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Save time, envelopes and
stamps.
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Use it for free; no monthly
fee and on per bill charges.
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Set up recurring payments
automatically.
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Feel confident that your
money and information are safe and secure.
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Register online to get
started.
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Telephone Banking |
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All account holders at First
Choice Community Bank can access their account information 24 hours a day
by phone at 678-486-4962.
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Listen to all your account
transactions, inquire about your direct deposit, transfer funds between accounts and even get our current interest rates.
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Business Debit and ATM
Cards |
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With a First Choice Check
Card, your company can make purchases anywhere MasterCard is
honored and the money is automatically deducted from
your business checking account. Looks like a credit card, and
works like a check. There's no annual fee or per item
charge.
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Night Deposit |
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