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Personal Business Customer Service

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:

    (1) Receive electronic statements for your account.

    (2) Utilize at least two products from the following list of products and services:

  • 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
  • certificate
  • 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

Loans, Lines and Leases

Maybe you need to borrow to fund a temporary cash flow shortage or buy new equipment. We'll give you the product, the terms, and the rates that are right for you.

If you're considering a line of credit, we offer both unsecured and secured lines-with the flexibility and responsiveness you seek. We also offer term loans and real estate loans to finance your business expansion-loans tailored to your specific needs.

 

Unsecured Lines of Credit:
Designed to assist small businesses that want to react quickly to business opportunities, need cash flow assistance, or want to fund business growth.

 

Small Business Line of Credit:
Sometimes you experience temporary cash shortfalls and need to borrow for business expenses such as purchasing, restocking inventory, making seasonal or volume purchases, or taking advantage of trade discounts.

The Small Business Line of Credit is designed to help businesses like yours. It's straightforward, simple, and there when you need it.

 

Term Loan:
Term Loans take the guesswork and uncertainty out of borrowing.

Interest rates are either fixed or floating. Accounts receivable and corporate or personal assets can serve as collateral.

 

Commercial Real Estate Loan:
First Security has the know-how and the staff to put together a Commercial Real Estate Loan package that really works for you.

Our specialists can offer you flexibility in terms with customized, more manageable payments, and fixed or floating rates. Floating rates are usually based on the prime rate.

Buy, build, update-the choice is yours. Let our lenders provide you with a competitive loan custom-designed just for you.

 

(SBA) Small Business Loan:
Looking to start your own business? Need alternatives for financing? An SBA loan could give you the financial support that you need. We finance start-ups, ground up construction, and many other business expansion projects. Additionally, many established businesses use First Security's SBA loans for working capital and other borrowing needs.

We're proud to be an SBA Lender. We have the knowledge and we have the expertise.

That's experience. Put it to work for you.

 

Agricultural Loans:
Commercial Agricultural Loans and Mortgages - First Security Bank offers farm loans that provide funds for capital, equipment purchases and operating needs, as well as for long term financing on Real Estate.

Equal Housing Lender   Member FDIC
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