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BUSINESS CHECKING
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Basic Commercial Checking |
Commercial Checking |
Commercial NOW Checking |
What kind of account would you like? |
The best account for lower activity levels and easy banking |
Full checking services for companies with higher volumes |
Full service checking for sole proprietors and other companies that can earn interest |
Minimum to open |
$500 |
$500 |
$500 |
Items allowed |
150 per statement cycle |
Unlimited |
Unlimited |
Analysis or item fees |
$.50 per additional item over 150 |
$0.15 per debit/check
$0.25 per credit/deposit
$0.08 per item deposited
Analysis fees and Cash Management fees may be offset by earned income credit |
$0.15 per debit/check
$0.25 per credit/deposit
$0.08 per item deposited |
Interest |
No |
No |
Yes |
Custom account benefits |
- Free online banking
- Free business debit card
- Free incoming wire transfers
- Internet Cash Manager Services available, including online ACH origination and online stop payments
- Free Federal tax payments
- TellerPhone services
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- Free online banking
- Free business debit card
- Free incoming wire transfers
- Internet Cash Manager Services available, including online ACH origination and online stop payments
- Free Federal tax payments
- TellerPhone services
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- Free Online Banking
- Free business debit card
- Internet Cash Manager Services available, including online ACH origination and online stop payments
- Free Federal tax payments
- TellerPhone services
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Balance Requirements and other fees |
With a minimum daily balance of $1,000, we will waive the $10.00 monthly service charge |
$7.00 monthly service charge |
$10.00 monthly service charge |
COMMERCIAL
SAVINGS
Savings and Investments |
Commercial First Rate Money Market |
Commercial Savings |
Certificates of Deposit(CDs) |
What kind of account would you like? |
Market-leading rates, with interest paid on every dollar—plus convenient access to your funds |
For businesses just getting started or with less to invest |
Earn top rates with the security that your funds are protected |
Minimum to
open |
$500 |
$500 |
$1,000 |
Interest—see us for current rates |
Tiers:
- $1 - $24,999
- $25,000 – $49,999
- $50,000 – $99,999
- $100,000 and above
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- Interest is paid on all balances, accrues daily and is paid quarterly
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- Interest paid by check, reinvestment or auto deposit to your company checking, savings or money market account
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Enjoy these custom benefits |
- Transfer funds between accounts with free online banking1
- ATM card or VISA debit card available1
- Checks available by request
- TellerPhone services
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- Transfer funds between accounts with free online banking1
- ATM card or VISA debit card available1
- TellerPhone services
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- Special promotional CDs offered on occasion. See bank for details.
- Terms range from 1 months to 5 years
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Balance requirements and other fees |
With a minimum daily balance of $2,500 or $4,000 average daily balance, we’ll waive the $10 monthly service charge |
With a minimum balance of $250, we’ll waive the $3 monthly service charge |
Penalty for early withdrawal |
1 Federal regulations limit withdrawals to 6 preauthorized debits or 3 third party transactions per statement cycle. Fees on excessive withdrawals may reduce earnings. See account disclosure for details.
LOANS
Commercial Loans
-Agricultural Loans
-Inventory Loans
-Working Capital Loans
-Equipment Loans
-SBA Lending
-Commercial Equipment Leasing
Commercial Real Estate Loans
-Business Property Loans (Permanent/Construction)
-1-4 Family Investment Property
-Multi-Family Investment Property
-Retail and Office Building
All loans are subject to credit approval. Equal Housing Lender. 
OTHER SERVICES
Visa® Debit Card:
Our popular free debit
card is available on all personal and business checking accounts. Use it in place of a check to make
purchases anywhere around the world Visa
debit cards are accepted. Or, use it to withdraw
cash at any convenient ATM.1 All
transactions are detailed on your monthly
checking account statement, and your transactions
are protected by your private Personal
Identification Number (PIN).
Direct Deposit:
Save time and trips to the bank by having your Social Security, payroll
or other recurring payments automatically
deposited into your checking, savings or
money market account.
Free Online Banking with Free Bill Pay:
Bank 24 hours a day, 7 days a week, from
the privacy of your home or office with our
user-friendly online banking service. Check
balances, transfer between accounts, pay bills,
view check images, learn more about other
bank products and services—the possibilities
are endless! Visit www.fnbhuntsvilletx.com
to enroll.
Motor Bank:
Our friendly drive-thru's offer
extra convenience with extended banking
hours, Monday through Saturday in Huntsville. Extended banking hours Monday through Friday in Crockett and Madisonville. Get in
and out—fast!
Overdraft Services:
Anyone can have an
occasional overdraft. Now you can avoid the
embarrassment and hassle of returned checks
with this popular service that helps pay your
checks, up to your assigned limit, to cover
unexpected overdrafts.2
Priority First:
If you want overdraft
protection with higher limits and automatic
payment, apply for this convenient line of
credit. Funds are automatically transferred
to your account when needed, plus you have
24-hour access through online banking.
Only consumer accounts are eligible for this
service.3
Safe Deposit Boxes:
Our convenient safe
deposit boxes help protect your valuables
against fire, theft or other disasters. We have
a variety of sizes available. Certain accounts
qualify for a rental fee discount—see us for
details.
TellerPhone:
Access your account
information any time, from anywhere, using
your touch tone phone. All you need is your
account number and Personal Identification
Number (PIN) to check balances, make
transfers, reorder checks, check current
interest rates, and more! Call the TellerPhone number in your market.
Traveler’s Checks:
Give yourself peace of
mind while traveling with this affordable
service, recognized around the world.
Wire Transfer Service:
We’ll help you wire
money or accept funds from anywhere in the
United States or around the world. Incoming
wires are accepted at no charge.
1 Transactions at First National Bank of Huntsville’s ATMs have no charge.
Transaction fees may apply at non-FNB-owned ATMs.
2 Service is discretionary and is offered subject to approval.
3 All loans are subject to credit approval.
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Equal Housing Lender Member FDIC