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| Business Checking > |
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Business Edge
A checking account designed for businesses where simplicity is a top priority.
Features Include:
- Free standard checks for the life of the account. 1
- Free Check & Cash card. 2
- Online services available.
- Up to 150 debit transaction items per month. 3
- Requires no minimum balance.
- Low minimum opening deposit of $100.
1Free checks are wallet style, non-duplicate, FIB&T checks. If computer checks or 3 per page business checks are desired, the first order of 150 checks and deposit slips are free (FIB&T checks).
2Check and Cash card is subject to approval.
3Debit transactions in excess of 150 items per month will be charged $0.25 each.
Business Edge Plus
A checking account designed for the growing business with increased transaction volume.
Features Include:
- Free first order of 150 business checks and deposit slips. 1
- Free Check & Cash card. 2
- Online services available.
- Up to 500 debit transaction items per month. 3
- $500 minimum opening deposit.
- $2,500 average collected balance required. 4
- Free check images with monthly statement.
- 50% off safe deposit box regular annual rental rate.
1FIB&T Checks.
2Check and Cash card is subject to approval.
3Debit transactions in excess of 500 items per month will be charged $0.25 each.
4Average collected balance must remain above $2,500 after the first 3 months or the account will be assessed a $12.00 fee per month.
Business Edge Premium
A checking account designed for the mature business with sizeable transaction volume and cash management needs.
Features Include:
- Free first order of 150 business checks and deposit slips. 1
- Free Check & Cash card. 2
- Online services available.
- Unlimited transaction items per month. 3
- $1,000 minimum opening deposit.
- Free check images with monthly statement.
- 50% off safe deposit box regular annual rental rate.
1FIB&T Checks.
2Check and Cash card is subject to approval.
3Business Edge Premium checking accounts receive an earnings credit to be applied towards the monthly maintenance fee † based on the average collected balance maintained. The earnings credit is calculated based on the 90-day Treasury Bill rate for the prior month. If the average collected balance is negative, the charge is calculated and assessed based on the FIB&T Base Rate plus 2%. Business Edge Premium accounts are charged a fee ‡ for each item processed (see Schedule of Fees) including incoming and outgoing wire transfers, online bill payments, returned items, cashiers checks, and merchant capture service. Fees may be offset by earnings credit calculated on the average daily collected balance.
†$15 monthly maintenance fee.
‡ $0.13 per debit, $0.17 per credit, $0.07 per on-us check deposited, $0.10 per transit check deposited.
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