First Security Bank

Business Banking

Business Essentials

Money Management

Attracting Employeers

BUSINESS – Business Essentials

Checking Accounts.

SECURITY BUSINESS CHECKING

A simple, uncomplicated checking account with an appealing package of benefits.

Account Benefits:

350 transactions per month at no charge*
No monthly maintenance fee
No minimum balance required
Free QuickBooks download**
$50 credit on initial order of checks***
$50 minimum opening deposit
FREE Online Banking, Bill Payment†, Business Debit Card, and eStatements

SECURITY BUSINESS PLUS CHECKING

Business Plus Checking offers the opportunity to earn a competitive rate of interest.

Account Benefits:

350 transactions per month at no charge*
Low minimum balance of $2,500 to avoid a $10 fee
Free Quickbooks download**
$50 credit on initial order of checks***
$2,500 minimum opening deposit
FREE Online Banking, Bill Payment†, Business Debit Card, and eStatements

SECURITY BUSINESS ANALYSIS CHECKING

Business Analysis Checking allows for an unlimited number of transactions and an earnings credit allowance that can be used to offset monthly processing fees.

Account Benefits:

Unlimited number of transactions
Deposit balances earn credit allowances to offset monthly processing fees
$50 credit on initial order of checks***
$50 minimum opening deposit
FREE Online Banking, Information Reporting, Business Debit Card, and eStatements
$50 minimum opening deposit
FREE Online Banking, Bill Payment†, Business Debit Card, and eStatements

EXTREME BUSINESS CHECKING

With our eXtreme Business Checking account, First Security Bank pays interest on account balances to corporations, LLC’s, partnerships, sole proprietors, as well as not-for-profits and other commercial entities. You’re allowed up to 350 transaction items per month at no charge, plus you’ll get all the conveniences of our other checking accounts.

Easy Steps to Qualify:

Remote deposit capture**
ACH origination**
Merchant credit card processing**
Business credit card and/or business debit card
Existing commercial loan or line of credit
Offer “Rewards at Work” to your employees

**There may be costs associated with some of these products.
*Annual Percentage Yield (APY). The interest rate and APY for your account depends upon the applicable rate tier which may change at any time. The 1.00% rate will be paid only for that portion of your average daily balance that is greater than $0.00, but less than $100,000.00. An interest rate of 0.25% will be paid only for that portion of your average daily balance that is greater than $100,000.00. To open the account, you must deposit at least $100.00. Interest will accrue daily, compound monthly and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. Rate effective 08/01/16.

Savings Accounts

SECURITY BUSINESS SUPER SAVINGS

The Super Savings account features no minimum balance requirement and a competitive rate of interest.

Tiered interest rate
FREE Online Banking and Bill Pay†
FREE Telephone Banking
Set up automatic payments to any First Security loan from your Business Savings account
Minimum to open $100
Up to six withdrawals per month without penalty*

SECURITY BUSINESS MONEY MARKET

Earn a higher return on your investment dollars without the high risk. The FDIC-insured Business Money Market account rewards account holders with larger returns on larger deposit

Unlimited in-person withdrawals at any First Security Banking Center
Only a low minimum balance of $1,000 is required to avoid a monthly service fee
Minimum to open $1,000
Up to six withdrawals per month without penalty*

CERTIFICATES OF DEPOSIT

Make your assets work harder for you by locking in a competitive rate with a First Security Bank Certificate of Deposit. Choose from several different maturities to fit your goals, plus our CDs require a low minimum opening deposit!

$2,500.00 minimum deposits for CD’s 91 days and under
$1,000.00 minimum deposits for CD’s 92 days up to 84 months
Interest compounded daily, credited to principal monthly and paid at maturity unless otherwise specified on the certificate
CD’s may automatically renew upon maturity at the current rate with the same term**
10 calendar days to withdraw at maturity without penalty – A penalty may be imposed for withdrawals before maturity
C$10,000 minimum deposit for CD specials

*A $10 per item fee will be assessed for withdrawals in excess of six per month. **Not applicable with special CD promotions

Savings Accounts

SECURITY BUSINESS SUPER SAVINGS

The Super Savings account features no minimum balance requirement and a competitive rate of interest.

Tiered interest rate
FREE Online Banking and Bill Pay†
FREE Telephone Banking
Set up automatic payments to any First Security loan from your Business Savings account
Minimum to open $100
Up to six withdrawals per month without penalty*

SECURITY BUSINESS MONEY MARKET

Earn a higher return on your investment dollars without the high risk. The FDIC-insured Business Money Market account rewards account holders with larger returns on larger deposit

Unlimited in-person withdrawals at any First Security Banking Center
Only a low minimum balance of $1,000 is required to avoid a monthly service fee
Minimum to open $1,000
Up to six withdrawals per month without penalty*

CERTIFICATES OF DEPOSIT

$2,500.00 minimum deposits for CD’s 91 days and under
$1,000.00 minimum deposits for CD’s 92 days up to 84 months
Interest compounded daily, credited to principal monthly and paid at maturity unless otherwise specified on the certificate
CD’s may automatically renew upon maturity at the current rate with the same term**
10 calendar days to withdraw at maturity without penalty – A penalty may be imposed for withdrawals before maturity
C$10,000 minimum deposit for CD specials

*A $10 per item fee will be assessed for withdrawals in excess of six per month. **Not applicable with special CD promotions