BusinessFirst Checking


The BusinessFirst Checking Account provides unlimited check writing privileges with fees offset by earnings credits. It is an ideal account for limited liability companies, limited partnerships, partnerships, sole proprietorships, S corporations, and C corporations.


Earnings and Service Charges

BusinessFirst Checking Accounts are analyzed monthly to determine the earnings allowance using the daily balance after deductions of float and legal reserve requirements. Credit will be given on these daily investable balances and will be discretionary based on the 91-day Treasury Bill rate. Average negative available balances will be assessed charges at The Wall Street Journal prime rate plus two percentage points.


Charges Offset by Earnings Credit Allowance

The following charges are offset by earnings allowance for businesses with imaged or CD statements:


Monthly Maintenance


Checks Written


ATM Debits


Electronic Funds Transfer Debit


Deposited On Us Items


Deposited Twin City/Federal Gov't Items


Deposited Out of Town Items


Returned Item Fee

$3.00 per item

Re-deposit of Returned Item Fee

$1.00 per item

Coin and Currency Deposited

$0.75 per thousand

Coin and Currency Withdrawn

$0.75 per thousand

Canadian Check Processing Fee

$10.00 per check + exchange fee


For BusinessFirst Checking Accounts we will charge a Federal Deposit Insurance Corporation (FDIC) assessment monthly. The rate is subject to change and is based on the rate the FDIC charges us. The fee will be calculated by applying a monthly FDIC factor to each $100.00 of average daily balance in your account during the monthly statement cycle.


Fees and Charges

The following fees and charges may be assessed against your account:


NSF Return Fee or NSF Paid Fee*

$30.00 per item

   Per Day Maximum


Overdraft Charge (Recurring)

$30.00 each seven consecutive days

Stop Pay Charge

$30.00 per request

Returned Item Fee

$3.00 per item

Re-deposit of Returned Item Fee

$1.00 per item

Dormant Account Fee

$5.00 per month

Returned Mail Fee

$5.00 per month

Check Copy Fee

$3.00 per copy

Wire Transfer Fee


International Wire Transfer Fee


Collection Fee

$20.00 per item

Canadian Check Processing

$10.00 per check + exchange fee



*This fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means.

NOTE: We may report other information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your consumer report.