Business Checking

Business Minimum Balance Checking

$100 minimum balance to open

$500 daily balance requirement per statement cycle to avoid maintenance charge
$10 monthly maintenance charge
No charge for first 250 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available¹

Business Relationship Checking

$100 minimum balance to open

$3,000 average daily, $15,000 combined, or $50,000 loan balance requirement per statement cycle to avoid maintenance charge
$13 monthly maintenance charge
No charge for first 500 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available¹

Commercial Analysis Checking

$100 minimum balance to open

Service charges may be offset or reduced by an Earnings Credit
$15 monthly maintenance charge
$0.15 for each item
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available¹

American Heroes Business Checking

For military, veterans, and first responder business owners.

$100 minimum balance to open

No minimum balance requirement
No charge for first 500 items for deposit/withdrawal ($0.15 for each item after)
Branded debit card with rewards²
Business Bill Payment with Business eBanking
Free eStatements with Business eBanking
Cash management services available^{3, 4}
Account holder may qualify for a commercial loan discount⁴

Specialty Accounts

Non-Profit Checking

$100 minimum balance to open

$3,000 daily balance requirement per statement cycle to avoid maintenance charge
$15 monthly maintenance charge
No charge for first 500 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available¹

IOLTA Tiered Now

$100 minimum balance to open

Maintenance charge waived if customer has an operating account with Citizens First Bank.
$10 monthly maintenance charge
No charge for first 300 items for deposit/withdrawal ($0.15 for each item after)
Tiered interest rate based on balances
Business eBanking (excluding Bill Pay)
Business Mobile Banking with Check Deposit
Cash management services available (excluding ACH origination)¹

Public Funds

$100 minimum balance to open

$3,000 daily balance requirement per statement cycle to avoid maintenance charge
$10 monthly maintenance charge
No charge for first 150 items for deposit/withdrawal ($0.15 for each item after)
Business eBanking with Bill Pay
Business Mobile Banking with Check Deposit
Cash management services available¹

Club & Association

$100 minimum balance to open

No minimum balance requirement
No monthly maintenance charge
No charge for first 100 items for deposit/withdrawal ($0.15 for each item after)

¹Cash management services include ACH origination, desktop deposit capture, domestic wires, merchant services, and Positive Pay services. Cash management services are subject to approval and fees may apply.

²A $0.10 reward credit for each debit card transaction, excluding ATM transactions, posted and cleared during each monthly statement cycle will be deposited to your account. The monthly statement cycle begins the first business day of each month and ends on the last business day of the month. A lump sum reward credit for transactions posted during the statement cycle will be deposited to your account the following statement cycle. The maximum reward per statement cycle is $10.00.

³Waiver of Remote Deposit Capture and ACH origination set up fees.

⁴Maintaining an American Heroes Business Checking account may qualify you for 50 basis points off a commercial loan and a discount on cash management services. Contact a representative for current offers. Automatic scheduled payment from Citizens First Bank account required for loan discount. All offers are subject to credit approval. This offer is subject to change and withdrawal at any time without notice.