Commercial Checking
Commercial Checking

Type Of Account Minimum to Open Account Maintenance Fee Transaction Fees/Limits(3) Account Features (4) Recommended and Designed Especially For Earnings Credit/Interest Compounding and Crediting Method Negative Collected Funds Charge
CONVENIENT COMMERCIAL CHECKING $200.00 $12.00
per month
If daily balance is below $2,000.00
200 free items (3) per monthly statement period
*Additional items $0.25 each (3)
  • 200 free items per month (3)
  • Non-interest bearing
Businesses that typically have a low number of transactions (3) N/A 17.9% Interest
COMMERCIAL PRIME CHECKING $500.00 $10.00
per month
$0.15/item (3)
  • Non-interest bearing
Businesses that typically have numerous transactions (3) Current rate on average collected balance less 10% reserve 17.9% Interest
COMMERCIAL BUDGET CHECKING $200.00 $10.00
per month
If daily balance is below $200.00
75 free items (3) per monthly statement period
*Additional items $0.50 each (3)
  • 75 free items per month (3)
  • Non-interest bearing
  • Monthly statement (6)
Businesses that typically have a low number of transactions (3) and maintain a low balance N/A 17.9% Interest
COMMERCIAL DELUXE
(Sole Proprietor and Non-Profit Organization)
$500.00 $10.00
per month
If daily balance is below $1,000.00
$0.15/item (3)
  • Interest bearing (2)
Businesses that typically maintain a high balance and desire earning interest (2) Compounded and paid monthly (1)
*Please note: No interest will be paid if the average collected balance is below $1,000.00
17.9% Interest
COMMERCIAL ADVANTAGE MMDA $500.00 $12.00
per month
If daily balance is below $2,500.00
$5.00/per debit in excess of 6 debits (4) per statement cycle (5)
  • Tiered rate structure allows your interest rate to increase as your balance increases
Businesses that typically maintain a high balance and desire earning interest Compounded and paid monthly (1)
*Please note: No interest will be paid if the average collected balance is below $2,500.00
17.9% Interest

  1. If account is closed prior to end of statement, no interest will be paid for that statement period.
  2. Federal law prohibits paying interest on demand deposits to certain business types such as corporations and partnerships.
  3. Items/transactions are defined as debits (checks written and ACH), credits (deposits(including checks that make up deposits) and ACH), and any other item that is processed through your account.
  4. Federal law limits transactions to 6 debits per statement cycle.
  5. Federal law may impose additional limitations.
  6. Monthly image statements delivered through the mail are $3.00 per statement. To avoid this paper statement fee you may register to receive electronic statements through our internet banking service.
Monthly image statements are provided at no charge on all checking accounts, except Commercial Budget Checking accounts (6).
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2009 American First National Bank.
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