Translate Website

Federal Deposit Insurance Corporation FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Close

Login to

Business Accounts

First Citizens State Bank makes it easy to manage your business finances. Whatever you need, we are here to make banking more efficient for you.

  

 

 PLEASE NOTE: New Requirements for Small Businesses in 2024

FinCen (Financial Crimes Enforcement Network) has announced new reporting requirements for small businesses.
Starting on January 1, 2024, BOI reports must be filed electronically using FinCEN’s secure filing system. Existing businesses
(prior to 1/1/24) will have until January 1, 2025 to file.

Here are resources to help you understand if you are included and what steps you may be required to take:

 
 
 
Earnings Credit1Monthly MaintenanceActivity ChargesInterest2
Business Checking x $2.50

$0.15 per debit item*

$0.02 per item deposited*

  
Organizational Checking x $2.50

$0.15 per debit item*

$0.02 per item deposited*

  

Non-Profit Checking

(Must be a qualified 501c3 organization)

Additional Features

   No Monthly Service Charge No Per-Check Charge
Unlimited Check writing		  
Business Now Checking3   $5.00 $0.15 per debit item

x
Business Super Now Checking3   $6.00 $0.20 per debit item
No service charge if $2,500 minimum balance is maintained

x
Business Tiered Money Market   If balance falls below $2,500 during cycle, a $5.00 fee applies Maximum of 6 transactions per month

x

Each tier offers a higher rate of interest
Corporate Plus Checking   $5.00

$0.15 per debit item*

$0.02 per item deposited*

x

Earns interest on the average collected balances maintained
Municipal Checking x $2.50

$0.15 per debit item*

$0.02 per item deposited*

  
Municipal Tiered Money Market   If balance falls below $2,500 during cycle, a $5.00 fee applies Maximum of 6 transactions per month 

x

Each tier offers a higher rate of interest
Municipal Now Checking   $5.00 $0.15 per debit item

x

 *The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

1On average collected balances maintained, not to exceed activity charges

2If available competitive high-yielding variable rate with current rates posted in bank lobby

3Eligibility restrictions may apply

Business Checking

Earnings Credit

  • An earnings credit on average collected balances maintained, not to exceed activity charges

Activity Charges

  • Monthly maintenance charge of $2.50
  • $0.15 per debit item
  • $0.02 per item deposited
  • The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

Organizational Checking

Earnings Credit

  • An earnings credit on average collected balances maintained, not to exceed activity charges

Activity Charges

  • Monthly maintenance charge of $2.50
  • $0.15 per debit item
  • $0.02 per item deposited
  • The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

Non-Profit Checking

  • No Minimum Balance
  • No Monthly Service Charge
  • Must be a qualified 501c3 organization
  • No Per-Check Charge
  • Unlimited Check writing
  • Easy-to-Balance Statement in Check Number Order
  • E-Statements Available
  • Customer Pays for Check Printing Charges
  • ATM Fees Apply
  • 24 Hour Visa Check Card Access and ATM Cash Card
  • Internet Banking Available on all Accounts
  • Mobile Banking Access
  • Mobile Deposit Access
  • 24 Hour Account Inquiry and Transfer Information
  • $100 minimum opening deposit required

Business Now Checking

  • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
  • Monthly maintenance charge of $5.00
  • $0.15 per debit item
  • Eligibility restrictions may apply

*Rates subject to change at any time

Business Super Now Checking

  • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
  • Monthly maintenance charge of $6.00
  • $0.20 per debit item
  • No service charge if $2,500 minimum balance is maintained
  • Eligibility restrictions may apply

*Rates subject to change at any time

Business Tiered Money Market

  • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
  • Each tier offers a higher rate of interest
  • $2,500 minimum balance
  • If balance falls below $2,500 during cycle, a $5.00 service charge applies
  • Six (6) withdrawals (debits) per statement period at no charge
  • There will be a $1.00 service charge for each debit in excess of 6 during a statement period

*Rates subject to change at any time

Corporate Plus Checking

  • Earns interest on the average collected balances maintained
  • Interest Rate: Competitive variable rate with current rates posted in bank lobby*

Activity Charges

  • Monthly maintenance charge of $5.00
  • $0.15 per debit item
  • $0.02 per item deposited
  • The number of checks you write and items included in your deposits will determine the monthly activity charge

*Rates subject to change at any time

Municipal Checking

Earnings Credit

  • An earnings credit on average collected balances maintained, not to exceed activity charges

Activity Charges

  • Monthly maintenance charge of $2.50
  • $0.15 per debit item
  • $0.02 per item deposited
  • The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

Municipal Tiered Money Market

  • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
  • Each tier offers a higher rate of interest
  • $2,500 minimum balance
  • If balance falls below $2,500 during cycle, a $5.00 service charge applies
  • Six (6) withdrawals (debits) per statement period at no charge
  • There will be a $1.00 service charge for each debit in excess of 6 during a statement period

*Rates subject to change at any time

Municipal Now Checking

  • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
  • Monthly maintenance charge of $5.00
  • $0.15 per debit item

*Rates subject to change at any time

 

Back to Top