Business Checking

Click on this link for our Business Banking Brochure.
We offer a variety of checking accounts to suit your needs. Please take a moment to review the Business Checking Account Checklist to make sure you have the appropriate documents ready when applying for an account. You may also choose to utilize our convenient Business Switch Kit to assist you in the transition. If you need to make changes to a current Club or Organization account, please review the Club or Organization Signer Switch information.Our checking accounts include Overdraft Privilege, our courtesy discretionary overdraft program. Overdraft Privilege allows you to overdraw your checking account to a predetermined limit. Overdraft Privilege can give you peace of mind, protect your credit, and possibly eliminate merchant penalty fees. There is a fee of $34.00 per item that causes an overdraft on your account.
First Business Checking

  • Minimum opening balance: $50.
  • No monthly fee if account balance is $2,000 or above at all times during a statement cycle or the average ledger balance is $5,000 or above.  Otherwise, a $15.00 monthly fee applies. A fee of $.35 will be charged for each check in excess of one hundred (100) during a statement cycle.
  • Debit card available with no issue fee (sole proprietors only).
  • Check writing limited to one hundred (100) checks during a statement cycle. (Normally, business accounts are on the calendar month cycle.)
  • Check and deposit slip images provided in monthly statement.
  • Internet Banking and Bill Pay
  • Telephone Banking, Our 24-hour access by telephone with no service charge.
  • The Privilege, our discretionary overdraft program.

Commercial Checking

  • Minimum opening balance: $50.
  • $12.00 monthly fee applies. The cost per item paid is $.15. The cost per item deposited is $.11. The cost per deposit is $.35. The total of these charges is reduced by a variable earnings credit.
  • Debit card available with no issue fee (sole proprietors only).
  • Check writing is unlimited.
  • Check and deposit slip images provided in monthly statement.
  • Internet Banking and Bill Pay
  • Telephone Banking, Our 24-hour access by telephone with no service charge.
  • The Privilege, our discretionary overdraft program.

Interest Checking

This account is available for sole proprietors, non-profit organizations, and clubs.

  • Minimum opening balance: $1000.
  • No monthly fee if account balance is $1,000 or above at all times during a statement cycle or the average ledger balance is $2,000 or above.  Otherwise, a $12.00 monthly fee plus $.25 per check applies.
  • Interest will be paid on tiered balances.
  • Check and deposit slip images provided in monthly statement.
  • Internet Banking and Bill Pay
  • Telephone Banking, Our 24-hour access by telephone with no service charge.
  • The Privilege, our discretionary overdraft program.

Pillar Checking

This account is available to employees of Business Accounts.

  • Minimum opening balance: $50.
  • No monthly fee.
  • No minimum balance.
  • Unlimited check writing with no per check charge.
  • First order of checks free (club design).
  • Free ATM or debit card.
  • Internet Banking and Bill Pay
  • Telephone Banking, Our 24-hour access by telephone with no service charge.
  • The Privilege, our discretionary overdraft program.

Call or visit one of our friendly Customer Service Representatives for more details.

Dade City (352) 521-0141 (if outside Pasco County call toll free (888) 239-4652)
Zephyrhills South
(813) 782-1540
Zephyrhills West (813) 779-1905