Business Checking

THRIFTY BUSINESS ACCOUNT

• $100.00 minimum to open
• $1,000.00 minimum daily balance or $1,500.00 average daily collected balance to avoid maintenance fee $8.00
• 250 items per month (this includes debit items and deposited items), no charge
• $.15 per item over 250
• Monthly image statement

NON-PROFIT BUSINESS ACCOUNT
This account will be for team accounts, civic organizations, and community charity accounts)

Free checking account

COMMERCIAL ANALYSIS ACCOUNT

• $500.00 minimum to open
• $15.00 maintenance fee
• $.10 per item deposited
• $.15 per item paid
• $.25 per deposit
• Earnings credit to help offset maintenance fee will be based on First Coweta Bank prime minus 3%
• Negative balance charge, First Coweta Bank prime plus 6%.

COMMERCIAL MONEY MARKET

• $500.00 minimum to open
• $2,500.00 minimum daily balance or $5,000.00 average daily balance to avoid a $10.00 monthly maintenance fee
• Limited to 6 preauthorized withdrawals of which no more than 3 may be checks, drafts, and debit card, ATM point of sale or similar order. A $10.00 per item charge will be assessed for each third party debit in excess of 3 during a statement cycle.
• Free first order of "FCB Money Market" checks
• ATM/Debit Card available (subject to approval)
• Merchant Services Bankcard Service available (click here to apply)
• Monthly image statement
• Interest is compounded daily on collected balance and credited to your account monthly.
• Tiered interest rates are:
  $0.00 - $2,499.99
  $2,500.00 - $24,999.99
  $25,000.00 - $99,999.99
  $100,000.00 - and over

COMMERCIAL INTEREST CHECKING
This account is limited to sole proprietors, non-profit organizations, governmental units and those acting in a fiduciary capacity. Federal regulations prohibit partnerships and corporations from opening interest bearing checking accounts.

• $500.00 minimum to open
• $1,500.00 minimum daily balance or $2,500.00 average daily balance to avoid a $10.00 monthly maintenance fee
• 250 items per month (this includes debit items and deposited items), no charge
• $.15 per item over 250
• Monthly image statement
• Interest is compounded daily on collected balance and credit to your account monthly
• Tiered interest rates:
  $0.00 - $2,499.99
  $2,500.00 - $9,999.99
  $10,000.00 - $49,999.99
  $50,000.00 - and over

IOLTA ACCOUNT
Lawyer Trust Accounts

• 500.00 minimum to open
• $1,500.00 minimum daily balance or $2,500.00 average daily balance to avoid a $10.00 monthly maintenance fee
• Monthly image statement
• Interest is compounded daily on collected balance and credit to your account monthly
• Tiered interest rates:
  $0.00 - $2,499.99
  $2,500.00 - $9,999.99
  $10,000.00 - $49,999.99
  $50,000.00 - and over