First Century Bank

Checking
Savings

CHECKING

Free Business Checking

First Century Bank’s Free Business Checking is ideal for sole proprietorships and small businesses with lower transaction volumes. It includes 200 combined (check and deposit) items* processed each month at no charge, plus no monthly fees and no minimum balance requirements. Also available with your Free Business Checking are:

Online Banking & Bill Pay
Business check card*
Minimum opening deposit $100.00
No service fee
No minimum balance requirements

*Includes 200 combined items at no charge. A small fee for each additional item will apply. Call for full details.
**Subject to approval.

Business Checking 101

This account is designed for businesses that have fewer monthly transactions. With Business Checking 101, each month you will receive up to 101 checks processed at no charge and 201 deposit items processed at no charge (including checks that make up your deposit). A small fee for each additional item will apply. Also, when you open your account you will receive:

FREE Checks (Limit 150 IBABL Business Checks)
FREE Deposit Tickets (Limit 100)
Online Banking
Business Check Card*
Endorsement stamp
Checkbook cover
Minimum opening deposit $100.00
No service fee for balances of $1,001.00 and above**

*Subject to Approval
**If balance falls below $1,001.00, a monthly maintenance fee will apply.

Commerical/Business Checking

Our Commercial/Business Checking offers a cost effective solution to your business’ cash flow needs. This account is designed for businesses that have many monthly items processed, consistently exceeding the limitations of our Business 101 account. Any additional fees* are based on your company’s individual activity levels and balance maintained**.

Fast Pay ACH origination with Direct Deposit capabilities
Online Banking
Business Check Card***

*Account analysis fees are based on activity in the account and the balance in the account each month. (If revenue exceeds expense for the month, no account analysis fee will be charged.) For a list of current fees, call or visit your nearest First Century Bank location.
**If balance falls below $500.00, a monthly maintenance fee will apply.
***Subject to approval.

Savings

Money Market Investment Account

This account pays competitive money market rates and is available to all depositors. Transfers from a Money Market Investment Account to another account or third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, or similar order to third parties.

Minimum opening deposit $2,500.
Interest is compounded daily, calculated on collected balance and credited monthly.*
No service fee for balances of $5,000 and above.**

*Pays no interest on days the balance is below $1,000.00. The interest rate and annual percentage yield (APY) may change at any time.
** Minimum balance to avoid monthly maintenance fee $5,000.00. If balance falls below $5,000.00, a monthly maintenance fee will apply.






	Business Checking & Savings Checking Savings CHECKING Free Business Checking First Century Bank’s Free Business Checking is ideal for sole proprietorships and small businesses with lower transaction volumes. It includes 200 combined (check and deposit) items* processed each month at no charge, plus no monthly fees and no minimum balance requirements. Also available with your Free Business Checking are: Online Banking & Bill Pay Business check card* Minimum opening deposit $100.00 No service fee No minimum balance requirements Includes 200 combined items at no charge. A small fee for each additional item will apply. Call for full details. Subject to approval. Business Checking 101 This account is designed for businesses that have fewer monthly transactions. With Business Checking 101, each month you will receive up to 101 checks processed at no charge and 201 deposit items processed at no charge (including checks that make up your deposit). A small fee for each additional item will apply. Also, when you open your account you will receive: FREE Checks (Limit 150 IBABL Business Checks) FREE Deposit Tickets (Limit 100) Online Banking Business Check Card Endorsement stamp Checkbook cover Minimum opening deposit $100.00 No service fee for balances of $1,001.00 and above** Subject to Approval If balance falls below $1,001.00, a monthly maintenance fee will apply. Commerical/Business Checking Our Commercial/Business Checking offers a cost effective solution to your business’ cash flow needs. This account is designed for businesses that have many monthly items processed, consistently exceeding the limitations of our Business 101 account. Any additional fees are based on your company’s individual activity levels and balance maintained. Fast Pay ACH origination with Direct Deposit capabilities Online Banking Business Check Card* Account analysis fees are based on activity in the account and the balance in the account each month. (If revenue exceeds expense for the month, no account analysis fee will be charged.) For a list of current fees, call or visit your nearest First Century Bank location. If balance falls below $500.00, a monthly maintenance fee will apply. *Subject to approval. Savings Money Market Investment Account This account pays competitive money market rates and is available to all depositors. Transfers from a Money Market Investment Account to another account or third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, or similar order to third parties. Minimum opening deposit $2,500. Interest is compounded daily, calculated on collected balance and credited monthly. No service fee for balances of $5,000 and above.** Pays no interest on days the balance is below $1,000.00. The interest rate and annual percentage yield (APY) may change at any time. * Minimum balance to avoid monthly maintenance fee $5,000.00. If balance falls below $5,000.00, a monthly maintenance fee will apply.