These accounts offer a great way to earn interest on funds not being used in day-to-day business, while maintaining the flexibility of cash. Open a Commercial Savings account today, and let your money start working for you! 
 
 
Money Market Account (MMDA) 
  • $2,500 deposit to open account
  • $10.00 monthly service charge -- can be avoided by maintaining a minimum balance of $2500
  • FREE Internet and Mobile Banking
  • FREE FirstLine access (Bank by Phone)
  • Check writing ability on account – up to six (6) debits per month FREE
  • After six (6) FREE debits transactions per month, a $10.00 charge will be assessed for each additional item. These additional charges may reduce the earnings on this account.
  • To maintain the current interest rate, your balance must not fall below $2,500 at any time during the statement cycle.
  • Contact Us for information on tiered interest rates.
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    Commercial Savings 
  • $250 deposit to open account
  • $5.00 service charge assessed monthly with quarterly statements -- monthly service charge can be avoided by maintaining a minimum balance of $250
  • FREE Internet and Mobile Banking
  • FREE FirstLine access (Bank by Phone)
  • Up to three (3) debits per month FREE
  • After three (3) FREE debits transactions per month, a $2.00 charge will be assessed for each additional item. These additional charges may reduce the earnings on this account.
  • Interest is compounded/paid monthly. Interest rate may change at any time at the bank’s discretion.
  • Contact Us for information on interest rates.
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    *According to Federal Regulations concerning savings and MMDA accounts, there can be no more than six (6) preauthorized transfers and withdrawals to a third party or to another account of yours at the bank per month.  
     
    Note on interest-bearing accounts: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest rates my change anytime at the bank’s discretion. For current interest rate information contact First Bank & Trust Co.    


    FDIC
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