Business Banking

It all starts with checking. Every business needs a checking account, but your business is not the same as the one next door or down the street. First National Bank of Southern California understands this. That's why we offer a range of accounts, from basic checking to accounts that offer a full package of services. Choose what's right for you.

At First National Bank of Southern California, we'll help you evaluate all the basics - like transaction volume, deposit balances and online banking needs - to ensure your accounts are right for your business.

Checking Accounts

 Business CheckingBusiness Account Analysis CheckingBusiness Platinum Money Market
Minimum Opening Deposit $100.00 $100.00 $1,000.00
Monthly Maintenance Fee $12.00 Variable1 $10.00
Requirement to Waive Monthly Maintenance Fee N/A N/A account requires a $5,000 minimum daily balance to avoid a monthly service charge
Interest N/A N/A Yes2
Transaction Limitations $.25 after 50th check in cycle $1.00 per deposit ater 21st deposit. None Six transactions per statement period
Overdraft Protection Yes2 Yes2 Yes2
Check Imaging Free Free Free
ATM/POS Transactions First five(5) free First five(5) free First five(5) free
Check Order Discount None None None
e-Statements Free Free Free
Online Banking Free Free Free
Debit ATM Card Free Free Free
Royal Club Account for Employees Yes Yes N/A

1. Each transaction is assessed a fee, which is charged against a variable earnings credit. As long as the customer maintains sufficient balances the earnings credit will offset the charges. Should the balances not earn enough credit to offset the charges, the customer will be charged. 2. Refer to the First National Bank of Southern California deposit rate sheet for current rates, compounding and crediting, and other balance information.

Business Checking

Product Description

The Standard account is designed for businesses with a moderate amount of activity, 100 transactions or less per month is allowed. An opening deposit of $100 is required. The monthly service charge of $12 can be waived by maintaining a minimum daily balance of $5,000. Other fees: $.25 after 50th check in cycle, $1.00 per deposit after 21st deposit in cycle.

Features

  • Debit Card and ATM access
  • Monthly Statements
  • Overdraft Protection
  • Free Online Banking and access to Bill Pay

Business Account Analysis Checking

Product Description

This is an account for businesses that process 100 or more transactions per month. Each transaction is assessed a fee which is charged against a variable earnings credit. As long as the customer maintains sufficient balances the earnings credit will offset the charges. Should the balances not earn enough credit to offset the charges, the customer will be charged. An opening deposit of $100 is required. For specific transactions fees please refer to the most current product brochure.

Features

  • Debit Card and ATM access
  • Specific item fees
  • Earnings credit
  • Monthly Analysis Statements
  • Overdraft Protection
  • Free Online Banking and access to Bill Pay

Business Platinum Money Market

Product Description

Minimum opening deposit on the Business Money Market is $1,000. This account requires a $5,000 minimum daily balance to avoid a monthly service charge; otherwise a monthly service charge of $15 would apply. This account is restricted to a total of six transactions per statement period.

Features

  • Monthly Statements
  •  Free Online Banking and access to Bill Pay
  • Tiered interest
  • Six transactions per statement period