Business Products
We have the right deposit account and cash management products for your business. We will prepare a personalized account analysis and proposal for banking services. Our plan will be customized to meet your specific needs, giving your business a technological edge and enhancing your business banking relationship.
Business Checking
We've built this checking account with small businesses in mind. Avoid a monthly service fee with a low minimum balance and your first 50 transactions are free!
- $100 Minimum balance to open.
- $2,500 average collected balance required to avoid $10.00 monthly service charge.
- $.50 activity fee for each transaction in excess of 50 transactions (debit, credit or deposited item) per statement cycle.
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Business Checking Disclosure
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Business Analysis Checking
Our most popular and flexible business checking account allows you to integrate cash management and other services to create a fully customized account. We offer an earnings credit rate higher than the market norm, which allows you to offset some or all of your service fees.
- $100 minimum balance to open.
- $16 monthly maintenance fee.
- $.16 per debit.
- $.35 per credit.
- $.11 per deposited item.
- $.12 per ACH debit.
- $.15 per ACH credit.
- Earnings Credit: The earnings credit rate is applied to the average monthly investable account balance to determine the monthly earnings credit allowance.
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Business Checking Disclosure
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Business Checking - NOW
An interest-bearing checking account designed for sole proprietors and non-profit organizations which provides for low minimum balances coupled with the added benefit of monthly interest payments.
- $100 minimum balance to open.
- $1,000 average daily collected balance required to avoid $10.00 monthly service charge.
- $1,000 minimum daily collected balance required to receive interest.
- $.50 activity fee for each transaction in excess of 50 transactions (debit, credit or deposited items) per statement cycle.
- Eligibility requirements: Only sole proprietors and non-profit organizations that qualify under IRS code section 501C (3) through 501C (13) or 501C (19) are eligible.
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Business Checking — NOW Disclosure
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Business Money Market
Earn competitive interest rates and keep your excess funds liquid with our Business Money Market Account. Our tiered interest rates allow you to earn more interest as your balances grow.
- $100 minimum balance to open.
- $2,000 average daily collected balance required to avoid $10.00 monthly service charge.
- $2,000 minimum daily collected balance required to receive interest.
- $10 for each transaction exceeding six per month. Transaction restrictions subject to Federal Regulations.
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Business Money Market Disclosure
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Business Sweep – Investable
Our sweep account provides you with the benefit of being able to offset activity fees with an earnings credit rate higher than the market norm coupled with the ability to earn interest on your excess funds. This account allows you to minimize your fees while maximizing your earnings potential. The automated sweeps can occur daily, whereas a money market account has a restricted number of monthly withdrawals.
By setting up a target balance that will offset service fees based on your average monthly activity, any amount above the target will be swept over and interest earned. Conversely, if your account falls below the target balance, funds will be swept into the main account to bring the balance to the appropriate level. This ensures your earnings credit will be an ample amount to offset your typical activity.
- $100 minimum balance to open.
- $56 monthly maintenance fee.
- $.16 per debit.
- $.35 per credit.
- $.11 per deposited item.
- $.12 per ACH debit.
- $.15 per ACH credit.
- Earnings credit: The earnings credit rate is applied to the average monthly investable account balance to determine the monthly earnings credit allowance.
Need more information?
Contact Account Services
Business Sweep Disclosure
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Business Savings
Our Business Savings account offers a lower minimum balance requirement than a money market account yet still allows you to earn competitive interest on your excess funds.
- $100 minimum balance to open.
- $500 minimum daily collected balance required to receive interest.
- $500 minimum daily collected balance to avoid $5.00 monthly service charge.
- $2.00 activity fee for each transaction over six per month (ATM transactions included). Transaction restrictions subject to Federal Regulations.
Need more information?
Contact Account Services
Business Savings Disclosure
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Certificate of Deposit
Exercise your options by choosing a Certificate of Deposit (CD) that best suits your investing needs, with the rate and term that is right for you. Whether you have a time-specific savings need or wish to diversify your portfolio risk, the CD is a popular product to protect and grow your money.
- Offers a variety of terms, usually ranging from 7 days to 5 years.
- Guarantees a fixed rate of return.
- Automatically renew at maturity.
- Requires a minimum deposit of $1,000.00 to open.
- Provides the security of FDIC Insurance.
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Certificates of Deposit Disclosure
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CDARS
ICS® and CDARS® services enable depositors to have the peace of mind associated with access to multi-million-dollar FDIC insurance, to manage their liquidity needs, and to earn a return, all while working directly with your Private Banker at F.C.B. Bank.
Insured Cash Sweep
- earn interest on ICS funds placed into demand deposit accounts using the demand option or into money market deposit accounts using the savings option;
- enjoy peace of mind knowing your ICS funds are eligible for multi-million-dollar FDIC insurance that’s backed by the full faith and credit of the United States government (remember, no one has ever lost a penny of FDIC-insured deposits);
- Access funds knowing that the ICS savings option offers up to six program withdrawals per month.
CDARS®
- access multi-million-dollar FDIC insurance on CD investments by working directly with just one financial institution that is a member of the CDARS Network;
- earn one interest rate per maturity on CD investments; there is no need to negotiate multiple rates per maturity or manually tally disbursements for each CD;
- earn rates that, historically, have compared favorably to US Treasuries;
- receive one regular statement detailing your CD investments; you don’t have to manually consolidate statements;
- benefit from daily compounding of interest;
- eliminate the time-consuming task of tracking changing collateral values on a recurring basis;
- select from a variety of maturities ranging from 4 weeks to 260 weeks (5 years) – and choose the terms that best suit your investment needs;
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Additional resources available to our Business Banking Clients:
- Courier Delivery Service
- Lockbox Processing
- Positive Pay
- Night Depository
- Account Reconciliation
- Business Debit Cards
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- Remote Deposit Capture
- Merchant Services
- Account Services Live Support
- Cashier’s Checks
- International Wire Transfers
- Automatic Wire E-Mail Notifications
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- Foreign Currency Orders
- Safe Deposit Boxes (Not FDIC Insured)
- Coin Count Services
- Cash Management
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