Business First Not for Profit Checking

Non-profit organizations often face fluctuating cash situations, and need a checking account that reflects the realities of their operations. Business First Not for Profit Checking – with a minimum balance requirement of only $1,000, along with 300 free transactions per month and a variety of free additional services is an effective solution.

Features & Benefits:

Minimum Deposit to Open$100
Minimum Balance Requirement*$1,000
Monthly Maintenance Fee$0 ($5 if balance falls below $1,000)*
Number of Free Transactions300 ($0.25 per item in excess)
Earns InterestYes, when applicable
Relationship PricingNo monthly maintenance fee††
Free Visa® Business Debit CardYes
Free Online BankingYes
Free Online BillPayYes
Office Max DiscountsYes
PAYCHEX Payroll Service Discount25%
Relationship RewardsYes
  • Premium savings rates
  • Discounted line of credit rates1
  • Discounted monthly fees for online payroll services2
  • Discounted monthly fees for online invoicing services2

Business Debit Cards

All business checking accounts come with a free Visa® Business Debit Card.4 Use it to make up to $5,000 a day in purchases from merchants, or to access up to $1,000 a day in cash from ATMs.** Also enjoy easy record-keeping, dependable security, worldwide acceptance and zero liability*** for fraudulent charges. Open a business checking account and start using your Visa® Business Debit Card today.

Visa® Business Debit Card

Features:

  • Up to $5,000/per day at merchants and up to $1,000/per day at ATMs**
  • Record Keeping made easy. All Visa® Business Debit Card purchases are deducted directly from your checking account; transactions appear online and on your monthly statement
  • Accepted Worldwide
When you use your Visa Business Debit Card, you're protected by Visa's Zero Liability Policy*** so you won't be held responsible for unauthorized charges.

Visa's Zero Liability Policy makes shopping 100% safe and secure. Shop online, on the phone, or in your favorite store and never be liable for unauthorized use on your card. With Visa's Zero Liability Policy, you risk nothing and PAY nothing for unauthorized use.

** A surcharge may be assessed by the financial institution that owns the ATM.

*** Visa's Zero Liability policy covers U.S issued cards only and does not apply to ATM transactions, PIN transactions not process by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

* Based on daily average balance.

*** A surcharge may be assessed by the financial institution that owns the ATM.

*** Visa's Zero Liability policy covers U.S issued cards only and does not apply to ATM transactions, PIN transactions not process by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

To qualify as a Relationship Rewards customer, you must have a Business First 300 Class or Not for Profit Checking account, a Visa® Business Debit Card and one additional product or service. A Business First Free Checking account does not meet the criteria to qualify for Business First Relationship Rewards. Business First Relationship Rewards is a discretionary loyalty rewards program and does not create contractual entitlements to the rewards. There are eligibility requirements, conditions, and other requirements that could prevent you from receiving rewards. Terms and conditions may apply.

† No transaction fee for up to 300 cumulative debits/credits/deposited items per month, each additional debit/credit/deposited item is $0.25.

†† No monthly fee if the average daily balance3 for the entire statement period of all related deposit accounts is above $15,000.00; otherwise $5/month. Only the checking account balance will be used if the overall relationship balance is below the average daily balance of $15,000.00. Please refer to the Disclosure of Account Terms for Business Checking Accounts and Fee Schedule or contact a Business Banker for more information.

1 Rate discount applies to unsecured lines of credit with credit limits less than $25,000.

2 You must be enrolled in BillPay prior to signing up for the Invoicing and Payroll services. All applicable fees will be assessed to the designated primary account. See pricing details.

3 The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period.

3 The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period.

4 Available on First National business checking accounts only. Subject to qualifications.