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Business Checking

Business Banking

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Account TypeFirst Choice Business Checking
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First Value Business Checking
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Community
First
Checking
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Business
Interest
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Commercial Analysis Checking
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IOLTA
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Account Type


Best If You Want

First Choice Business Checking
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A cost-efficient account suited for small businesses

First Value Business Checking
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An account suited for moderate sized businesses

Community
First
Checking
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A simple cost efficient account designed for small non-profit organizations

Business
Interest
Checking
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A cost efficient solution for your business that earns interest

Commercial Analysis Checking
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An account that offers earnings credit that may offset fees

IOLTA
Checking

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An account for attorneys who maintain legal trust accounts

Account Type


Monthly Service Charge

First Choice Business Checking
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$81

First Value Business Checking
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$122

Community
First
Checking
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$03

Business
Interest
Checking
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$154

Commercial Analysis Checking
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$15 plus analysis charges for activity.

IOLTA
Checking

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$0

Account Type


Minimum Opening Deposit

First Choice Business Checking
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$100

First Value Business Checking
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$100

Community
First
Checking
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$100

Business
Interest
Checking
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$100

Commercial Analysis Checking
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$100

IOLTA
Checking

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$100

Account Type


Visa Debit Card

First Choice Business Checking
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First Value Business Checking
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Community
First
Checking
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Business
Interest
Checking
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Commercial Analysis Checking
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IOLTA
Checking

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Account Type


Digital Banking (business online banking)

First Choice Business Checking
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First Value Business Checking
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Community
First
Checking
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Business
Interest
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Commercial Analysis Checking
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IOLTA
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Account Type


Bill Pay

First Choice Business Checking
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First Value Business Checking
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Community
First
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Business
Interest
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Commercial Analysis Checking
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IOLTA
Checking

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Account Type


Telephone Banking

First Choice Business Checking
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First Value Business Checking
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Community
First
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Business
Interest
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Commercial Analysis Checking
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IOLTA
Checking

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Account Type


eStatements

First Choice Business Checking
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First Value Business Checking
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Community
First
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Business
Interest
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Commercial Analysis Checking
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IOLTA
Checking

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Account Type


CardValet®

First Choice Business Checking
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First Value Business Checking
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Community
First
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Business
Interest
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Commercial Analysis Checking
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IOLTA
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Account Type


Direct Deposits

First Choice Business Checking
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First Value Business Checking
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Community
First
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Business
Interest
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Commercial Analysis Checking
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IOLTA
Checking

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Account Type


Quickbooks®

First Choice Business Checking
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First Value Business Checking
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Community
First
Checking
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Business
Interest
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Commercial Analysis Checking
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IOLTA
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Account Type


Account Earns Interest

First Choice Business Checking
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First Value Business Checking
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Community
First
Checking
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Business
Interest
Checking
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Commercial Analysis Checking
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IOLTA
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Account Type


Additional Information

First Choice Business Checking
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First Value Business Checking
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Community
First
Checking
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Business
Interest
Checking
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Commercial Analysis Checking
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Unlimited transactions at low per-item fees. Earnings credit issued based on balance and used to offset any monthly fee incurred.

IOLTA
Checking

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Interest earned is compounded daily, credited monthly, and paid to the North Carolina State Bar. No per check charges.

1Avoid the service charge by maintaining a $500 average daily balance. Up to 150 combined debits, credits or deposited items per monthly statement cycle; $0.35 for each item over 150.
2Avoid the service charge by maintaining a $2,000 average daily balance. Up to 275 combined debits, credits or deposited items per monthly statement cycle; $0.35 for each item over 275.
3Up to 150 combined debits, credits or deposited items per monthly statement cycle; $0.35 for each item over 150.
4Avoid the service charge by maintaining a $5,000 average daily balance. Up to 150 combined debits, credits or deposited items per monthly statement cycle; $0.35 for each item over 150.

Account openings and credit are subject to Bank approval. Data rates apply. Nonsufficient fund fees of $37.00 per debit item may apply if you withdraw more funds than are available in your account. We may change the interest rate on your account at any time and without prior notice after the account is opened. If you close your account before interest is credited, you will not receive the accrued interest. If the account is closed within the first six months an early close fee will be assessed.