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Small Business Checking

Monthly Maintenance Charge ……................ $6.00
Per Debit Fee > 30………....……..    $  .15 per item
(Includes Withdrawal, Check Paid, Automatic Transfer)
Per Credit Fee > 50…………..…….   $  .08 per item
(Includes Each Transit Check Deposited)
Monthly Statement with Images
Night Depository Available ………..…........... FREE
First Team Online Internet Banking ….......... FREE
Cash Manager……………………….....…. $7.95/Mo

Business Analysis Checking
Monthly Maintenance Charge .................…. $5.25
Per Debit Fee ........……………….... $  .15 per item
(Includes Withdrawal, Check Paid, Automatic Transfer)
Per Deposited Item ……………….. $  .04 on us
                                                    $ .06 local
                                                    $ .08 non-local
(Includes Each Transit Check Deposited)
Customer Earns Offsetting Credit, Up To The Amount of
 the charges, at the Rate of ____% (per $100 Average
Collected Balance per Month
Interest Charge on Uncollected Funds ............. 7%
Federal Reserve Requirement ……............…. 10%
Night Depository Available …………... .....… FREE
First Team Online Internet Banking ……...... FREE
Cash Manager ……………………….....…$7.95/Mo

Sole Proprietorship (Business)
Monthly Maintenance Charge ……...........…. $6.00
Per Debit Fee ........………………... $  .15 per item
(Includes Withdrawal, Check Paid, Automatic Transfer)
Per Credit Fee .........……………..... $  .08 per item
Interest Bearing - Balances And Rates Are Tiered
   Tier 1  $10,000 & Over
   Tier 2  $5,000.00 To $9,999.99
   Tier 3  $ 300.00 To $4,999.99
Monthly Statement With Images
Night Depository Available..................................Free
First Team Online Internet Banking ……...... FREE
Cash Manager ……………………….....…$7.95/Mo
Interest Compounded and Credited Monthly
Daily Ledger Balance Computation Method

Savings Accounts
*
For ALL SAVINGS products:  Transfers from Statement Savings Account to another account or to third parties by
preauthorized, automatic, or telephone transfer are limited to
six
per month with no transfers  by check, draft, or similar order to third parties. 

Cash Manager                              
Our Cash Manger Online Software
makes your business banking easy! 
For only $7.95 per month you have
the ability  to:

  Pay Bills
  Payroll
  Collections
  Authorize Transactions
  Make EFTPS Tax Payments
  ACH Payments
  ACH Receipts
  Wire Transfers
  FastPay Interclearings
  Send us Encrypted Files
  Set Supervisory Functions for Employees


First Team Community Checking
Level 1 - Non Profit Organizations
No Service Charge
No minimum Balance
No per-check/debit charge.
Monthly statement does not include images
First Team Online Internet Banking ……... FREE
Cash Manager…………….…...…... $7.95/Mo
Level 2 - Non Profit Organization 501c3 Status
Min. Balance To Avoid Service Charge.. $300
Service Charge If Below Minimum.... $7.50
No Per Check/Debit Charge
Shazamcheck/Debit Visa Card (Discretionary)
FREE ATM Use At Our ATM Locations
Transactions At Non FNB ATMs, $1.00 Each
Monthly Statement With Check Images
Overdraft Privilege (Discretionary)
FREE First Team Online Internet Banking
Balances And Rates Are Tiered
   Tier 1  $10,000 & Over
   Tier 2  $5,000.00 To $9,999.99
   Tier 3  $ 300.00 To $4,999.99
Interest Compounded And Credited Monthly
Daily Ledger Balance Computation Method

  Statement Savings Account*

Minimum Balance To Avoid Service Charge $100.00

Service Charge If Below Minimum  $3.00

Per Debit Fee in Excess of 6 per Month  $1.00

FREE First Team Online Internet Banking

Annual Statement

Rates—Interest Rate and Annual Percentage Yield (APY) may change at any time

Interest Compounded and Credited Quarterly

Daily Ledger Balance Computation Method

Transfers froma Money Market Savings or Money Market Treasury Performance Account to another account or to third parties by by
preauthorized, automatic, or telephone transfer are limited to
six
per statement cycle with nomore than 3 by check, draft, or similar order to third parties.  
 

Money Market Savings*

Minimum balance to avoid service charge $1,000.00

Service charge if below minimum $5.00

Per Debit Fee in Excess of 6 per Month  $5.00

FREE First Team Online Internet Banking

Monthly Statement

Rates—Interest Rate and Annual Percentage Yield (APY) may change at any time

Interest Compounded and Credited Monthly

Daily Ledger Balance Computation Method

Balances and Rates are Tiered:

  Tier 1 — $25,000 & Over

  Tier 2 — $10,000.00 to $24,999.00

  Tier 3 — $ 1,000.00 to $9,999.99

Money Market Treasury Performance Account*

Minimum balance to obtain Annual Percentage Yield (APY) $10,000

Per Debit Fee in Excess of 6 per Month  $5.00

FREE First Team Online Internet Banking

Monthly Statement

Rates—Interest Rate and Annual Percentage Yield (APY) may change at any time

Interest Compounded and Credited Monthly

Daily Ledger Balance Computation Method

Balances and Rates are Tiered:

  Tier 1 --  $500,000 & Over
  Tier 2 — $100,000.00 to $499,999.99

  Tier 3 — $25,000.00 to $99,999.99

  Tier 4 — $ 10,000.00 to $24,999.99

First Team Advantage Credit Cards - Subject to Approval 
- Master Card, VISA, VISA Platinum
Click here for application.

Merchant Credit Card Processing 
- All major credit cards accepted
- Competitive discount rates
- No hidden fees
- Guaranteed 48-hour settlement of funds
- Competitively Priced Equipment
- Prompt replacement when needed
- Personal Support

Pre-Paid VISA Gift Cards
Great employee Bonus Gift or Incentive
Minimum $25- Maximum $500
Generally used wherever VISA is accepted
See Bank for Details















     


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