Free Small Business Checking

• Minimum Opening Deposit
  $100.00
• Service Charge Schedule
  Withdrawals from Free Small Business Checking are limited to fifty per statement cycle without incurring a transaction fee.   Deposit items into Free Small Business Checking are limited to one hundred per statement cycle without incurring a transaction fee.  An excess transaction fee of  $ 0.35 will be charged for each withdrawal in excess of fifty per statement cycle.  An excess transaction fee of $ 0.35 will be charged for each deposit item in excess of one hundred per statement cycle.
• Features
  No Monthly Maintenance Fee
  Free Basic Internet Banking
  Free Basic Images with Statement
  Free Notary Services
  (Apply)

Business Checking

• Minimum Opening Deposit
  $500.00
• Service Charge Schedule
  If balance falls below $1,000.00 at any time during the month the monthly maintenance fee is $10.00.
• Features
  No fees for customers who maintain high balances ($1,000+)
  Unlimited check writing privileges
  Customized image statements
  Free 24 hour information line
  Business Online Banking available
  (Apply)

Corporate Checking

• Minimum Opening Deposit
  $500.00
• Service Charge Schedule
  Monthly maintenance fee $10.00
  Other fees may apply, please refer to our accounts disclosure brochure
• Features
  An earnings credit based on our 90-day CD rate, less reserves and FDIC insurance
  Customized image statements
  Free 24 hour information line
  Business Online Banking available
  (Apply)

Employee Benefit Banking – Group Checking

Special Package Designed for your Employees. Group Checking enhances your employee benefit package at no cost to you.  Provide your employees the option to save on banking services to help them reach their financial goals.

No cost to the employer to offer Group Checking to your employees and enhances your employee benefit package.

We offer convenient on-site enrollment options with prize drawings and refreshments.

Employee Benefit Banking offers:
Efficient and cost-effective payroll
Reduced opportunities for lost and stolen paychecks
Reduced identity theft risk

• Minimum to Open - $0
• Absolutely FREE – No monthly maintenance fee, no minimum balance requirement!
• FREE First Order Of Checks (Basic Style)
• FREE Visa® Check Card
• FREE Unlimited Check Writing
• FREE Online/Internet Banking
• FREE Monthly Image Statements
• FREE Online Bill Pay
• FREE 24 Hour Telephone Banking
• FREE Automated Transfers
• FREE ATM Transactions at FTNB ATMs
• FREE Notary Service
• FREE Cashier’s Checks
• FREE Travelers Checks
• $500 Overdraft Protection – Available at the bank’s discretion after the account has been open at least 30 days, per the bank’s current Overdraft Protection Policy.

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