Business Banking

All First National Bank of Marysville’s Business Checking accounts have the following benefits:

• Descriptive monthly statements with Images of your checks
• Internet Banking
• Dial-A-Bank available 
• Overdraft protection available
• Permits a variety of deposits at any time including Bank-by-Mail and Night Deposit
• Wire Transfer service available 
• Assists business customers in managing their business income
• FDIC insured  

Business Checking Account

This is a Business Checking account with a low minimum balance requirement. 

FEATURES 

• Unlimited check writing privileges - no per check or per deposit fees 

TERMS

• $50 minimum deposit required to open  
• There are no fees with daily balance of $200.00 or more and debits between 0 and 40.  There is a $3.00 per statement cycle fee if the average daily balance falls below $200.00
• There are no fees with daily balances of $400.00 or more with an unlimited number of debits.  There is a $5.00 per statement cycle fee if the average daily balance falls below $400.00
• Exceptions may apply to accounts with excessive check volume and/or high deposit transaction activity  

Business NOW Checking

This Business Checking account is designed for our sole proprietor who prefers the benefits of a Business checking while earning a competitive interest rate. 

FEATURES  

• Unlimited check writing privileges - no per check or per deposit fees
• Interest is compounded daily and paid monthly at the end of each statement 

 TERMS

• A $500.00 minimum deposit is required to open 
• No interest will be paid and a $5.00 per statement cycle service charge on average daily balances below $500.00   

SUPER NOW Checking

This account is designed for our customers who prefer the benefits of regular checking and earning a competitive interest rate.  The account may be accessed by check, STAR card or STAR/VISA check card.

FEATURES 

• Unlimited check writing - no per check or per deposit fees 
• Interest is compounded daily and paid monthly at the end of each statement cycle  

TERMS

• A $2,500.00 minimum deposit is required to open this account
• No interest will be paid and a $7.00 per statement cycle service charge on average daily balances below $2,500.00   

Business Savings Accounts

All First National Bank of Marysville Savings accounts have the following benefits:

• Internet Banking
• Dial-A-Bank available    
• FDIC Insured

Business Money Market

This is an interest bearing account.  This account is designed for our business customers who prefer the benefits of a savings account.  

FEATURES 

• Interest earned at competitive rates
• Interest compounded daily and paid monthly at the end of each statement cycle    
• Unlimited transactions over-the-counter
• Descriptive monthly statements with Images of your checks
• Overdraft protection for your business checking account is available        

TERMS 

• 2,500.00 minimum deposit is required to open this account  
• Tiered Interest Rate
  • $        0.01 - $ 2,499.99 no interest earned
  • $ 2,500.00 - $10,000.00   
  • $10,000.01 - $30,000.00
  • $30,000.01 and up
• A $2,500.00 average monthly balance is required to earn interest and avoid a $10.00 per statement cycle service charge   
• Government regulations state transactions are limited to a total of six (6) debits per statement cycle
• Business Statement Savings  

This is an interest bearing account.  This account is designed for our business customers who prefer the benefits of a savings account.

FEATURES

• Interest earned at competitive rates
• Interest compounded daily and paid monthly at the end of each statement cycle  
• Unlimited over-the-counter transactions
• Descriptive monthly statements  
• Overdraft protection for your business checking account is available     

TERMS 

• $25.00 minimum deposit is required to open this account 
• $25.00 minimum to avoid service charge
• $2.00 per statement cycle service charge if minimum balance is not maintained   

Business Passbook Savings

• Interest earned at competitive rate
• Interest compounded daily and paid quarterly  

Terms

• $10.00 minimum deposit required to open
• $10.00 minimum balance is required  
• If the balance falls below $10.00, the account must be closed
• You must have the Passbook with you for all transactions
• Direct Deposits are not allowed to this account 

Business Sweep Account

Keep your operating cash working for you by having funds automatically swept from Business Checking into a sweep investment account.  For individuals or businesses who accumulate high balances, a sweep account can provide easy access to funds while earning interest at a variable rate. This account automatically transfers balances above a pre-determined amount overnight to a linked First National Bank of Marysville repurchase investment account. Interest is calculated and paid on a daily basis.

On a monthly basis you receive a checking statement detailing all transactions plus you receive daily investment confirmations.

For further information about this product contact the Office nearest you.

• THIS ACCOUNT IS NOT FDIC INSURED
• THIS ACCOUNT IS NOT A DEPOSIT ACCOUNT
• THIS ACCOUNT IS NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 
• THIS ACCOUNT IS NOT GUARANTEED BY THE BANK
• THIS ACCOUNT MAY GO DOWN IN VALUE 

Business Services                                                                             

• ACH (Direct Deposit) remittance
• Lockbox and payment processing arrangements
• Merchant credit card processing
• Overnight fund investment services
• Treasury Tax and Loan (TT&L) remittances accepted
• Wire transfers (receive and send)

Non-Profit Organizations Checking Account

This account is designed for our non-profit organizations  

FEATURES

• $100.00 minimum balance required 
• Unlimited check writing privileges - no per check or per deposit fees
• Includes descriptive monthly statements with Images of checks  

TERMS

• $50.00 minimum deposit required to open  
• There are no fees with an average daily balance of $100.00 or more. There is a $1.00 per statement cycle service charge if the average daily balance falls below $100.00
• Exceptions may apply to accounts with excessive volume/high transaction activity