Business Deposits

Business Checking

A full-featured Checking Account built for the way you bank. That’s why we’ve designed our Business Checking accounts to offer you the power to streamline your cash flow and the flexibility to grow exponentially. Business Checking Accounts feature surcharge-free transactions at any All Point ATM nationwide. Plus enjoy unlimited electronic transfers and key features:

  • FREE ATM/Debit Card
  • FREE Mobile check deposit, bill pay, and more.
  • FREE Starter checkbook
  • FREE mobile banking apps for easy access to funds
  • No Monthly Service Fees
  • A Safety Net – Depositors are Insured by the FDIC up to $250,000

Regular Business Statement Savings

Strike the perfect balance between liquidity and return on investment with a Business Savings account. This account is designed with your business in mind and allows you to set money aside securely while still having it readily available. Keep your money growing and help bring future goals within reach with these convenient features:

  • NO monthly fees
  • NO minimum balance requirements
  • Deposits by mail
  • Convenient, 24/7 online account management

First Link Accounts

Whether you’re saving for the first time or have a long-term savings strategy, our First Link Accounts are designed to help your money grow. Savings and checking are linked to enjoy our competitive rates while continuing to have easy access to your money when you need it. First Link Accounts feature:

  • FREE ATM/Debit Card
  • FREE Online Banking and Bill Pay
  • FREE Mobile Banking²
  • NO monthly service fees on either account
  • Interest is compounded daily and credited monthly
  • A Safety Net – Depositors are Insured by the FDIC up to $250,000

Visit your local branch to open an account today!  

Minimum Balances on both accounts to obtain the Preferred Interest Rate:
Money Market – $250
Checking Account – $1,000

¹First Link Accounts, which became effective at FCSB on 4/30/18, can earn you an APY of 1.60% if you maintain a minimum monthly balance of $250 in a Savings account and a linked checking account with a minimum balance of $1,000 for a minimum period of 12 months. If these minimum balances are not maintained at all times the Savings account will default to an APY of 1.00% and if the minimum balance on the Savings account is not maintained no interest will be earned. Rates are subject to change at any time and no maintenance fees apply on either account.”

²Your carrier’s standard text/data rates may apply. 

Smart Business Money Market

With a Smart Business Money Market account, you earn interest at a higher rate than with a traditional savings account and access your money easily. It’s an ideal account for building an emergency fund or saving for a large purchase. Plus, you’ll still have access to your money and can write checks from the account. Smart Business Money Market features:

  • Free transfers and maximum of 6 withdrawals per month
  • Maintain $2500.00 to avoid monthly fee of $15.00
  • Easy Online Account Maintenance
  • Mobile Check Deposit
  • FREE Online Banking and Bill Pay
  • A Safety Net – Depositors are Insured by the FDIC up to $250,000

  ¹Smart Business Money Market: The minimum balance required obtain the advertised Annual Percentage Yield (APY) for our tiered rate Smart Business Money Market Account is $150,000.00 for an APY of 1.50%. A Lower APY of 1.00% is paid if the minimum daily balance equals $2,500.00 but is less than $150,000.00. Daily balances below $2,500.00 earn no interest and a $10 Monthly Service Fee will apply. Fees may reduce the earnings. These variable tiered rates are effective as of 02/27/2018 and may change at any time in any tier.  Terms and conditions apply.  No brokered deposits accepted.  New money only.

Business CDs

Great rates. No hidden fees. Genuinely personalized service to grow your business.  With our CDs you’ll see guaranteed growth throughout the term of the CD, plus you’ll enjoy Competitive Rates

  • Convenient, 24/7 online account management
  • Interest that Compounds Daily
  • Automatic Renewals at Maturity
  • Easy Access to your money
  • A Safety Net – Depositors are Insured by the FDIC up to $250,000


Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact your branch for a replacement. 24 Hour Card Member Service at 1-800-554-8969.

Open an eCD Online Today!Icon For: Rates

Term Rate APY
60-Month 2.80%** 2.84%**
36-Month 2.50%** 2.53%**
12-Month 0.95%** 0.95%**
Learn More

**See ALL Rates and Disclosures