This account allows sole proprietors to earn interest on their funds while still having it completely liquid. Interest rates are tiered allowing your company to be rewarded with even higher rates on higher balances. You will avoid monthly fees with this account by maintaining a $1,000 average daily collected balance* and staying within the activity limits outlined below.

• Two tiers to earn higher rates for higher balances
  Tier 1 $1,000 - $2,499
  Tier 2 $2,500 and over
• Interest is credited monthly and paid on collected balance
• No monthly service fee if $1,000 average daily collected balance is maintained
• 40 Free debits/checks paid per month
• 8 Free credits/deposits per month
• 40 Free items deposited per month
• No monthly earnings credit
• $500 initial opening deposit requirement
• Business debit and credit cards available
• 24-hour account access via Internet available
• 24-hour account access via telephone available
• FREE Statement options available: Paper, CD-ROM, E-mail

If your account falls below the balance requirement or exceeds the free specified services, the corresponding service fees will be charged.

• If the balance falls below the requirement, an $8 service fee will be charged and interest will not be credited for the month.
• When the account exceeds 40 debits including checks paid from the account per month, a 25¢ per debit/check paid fee will be charged for all debits over 40.
• When the account exceeds 8 credits per month, a 30¢ per credit/deposit fee will be charged for all credits over 8.
• When the account exceeds 40 items deposited per month, a 15¢ per item deposited fee will be charged for all items deposited over 40.

For non-profits and municipalities, we offer Business Checking With Interest which provides you with unlimited check writing. You will not receive a service fee unless your account falls below the $1,000 average daily collected balance* requirement for the month. If it does, you will be charged $8 and interest will not be credited for the month.

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Account pricing/activity limits may vary in certain locations. Please call your nearest branch for details.
For your protection, it is the policy of First Banking Center to prohibit check cashing, or cash back deposits, on checks made payable directly to your business. These checks will be accepted for deposit only.
Products could change at any time without notice. See our Business Fee Schedule for information on service fees.
Collected balance is cash in your account plus deposited checks that have been presented to the bank the check is drawn on and for which payment has actually been received by First Banking Center.
For interest bearing accounts: We reserve the right, at any time, to require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Current interest rates are available in the bank lobby and are subject to change without notice. They are solely determined by the bank.
*The average daily balance is the sum of the balances in the account for each day in the period (month or statement cycle) divided by the number of days in the period.