Business Banking

BUSINESS CHECKING

 

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
  • Telephone Banking System services

 

  • 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
  • Telephone Banking System services
  • Free Online Banking
  • Free business debit card
  • Internet Cash Manager Services available, including online ACH origination and online stop payments
  • Free Federal tax payments
  • Telephone Banking System services

 

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 maintenance fee

$10.00 monthly maintenance fee

 


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
  • Interest is paid on all balances, accrues daily and is paid quarterly

  • Interest paid by check, reinvestment or auto deposit to your company checking, savings or money market account

 

Enjoy these custom benefits

  • Transfer funds between accounts with free online banking1
  • Visa® debit card available1
  • Checks available by request
  • Telephone Banking System services

 

  • Transfer funds between accounts with free online banking1
  • Visa® debit card available1
  • Telephone Banking System services
  • One (1) free withdrawal per month1

 

  • Special promotional CDs offered on occasion. See bank for details.
  • Terms range from 1 months to 5 years

 

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 six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or 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

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.

Telephone Banking System:

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, loan payments, tax records, and locations.

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.