Our Business Checking account is suited for a company that has high monthly activity yet wants the potential to have fees eliminated. With Business Checking you will incur fees for the activity that clears your account each month. At the same time, Business Checking rewards you for keeping a higher collected balance in this account by paying an earnings credit*. First Banking Center will use your average collected balance** to calculate the earnings credit, which may offset or completely eliminate monthly fees.

• No minimum balance requirement
• Monthly maintenance fee: $8 per month
• Checks written and other debits charge: 22¢ each
• Deposits and other credits charge: 25¢ each
• Items deposited charge: 12¢ per item
• Items deposited which are drawn on First Banking Center customer accounts: 3¢ per item
• ACH debit or credit charge: 12¢ each
• Pre-encoded & pre-endorsed items: 6¢ per item
• Rejected pre-encoded items: 25¢ per item
• Uncollected Funds Usage Charge:
  Uncollected Funds Amount x (Prime + 1%)
• $200 initial opening deposit requirement
• Business debit and credit cards available
• 24-hour account access via Internet available
• 24-hour account access via telephone available
• FREE Statement options available: Paper, CD-ROM, E-mail

---

Account pricing/activity limits may vary in certain locations. Please call your nearest branch for details.
For your protection, it is the policy of First Banking Center to prohibit check cashing, or cash back deposits, on checks made payable directly to your business. These checks will be accepted for deposit only.
Products could change at any time without notice. See our Business Fee Schedule for information on service fees.
Collected balance is cash in your account plus deposited checks that have been presented to the bank the check is drawn on and for which payment has actually been received by First Banking Center.
*Earnings credit is an allowance used to offset part or all of the service charges on an account. The earnings credit is calculated on the basis of the average collected balance in the account during a period and the earnings credit rate in effect at the time.
**The average daily balance is the sum of the balances in the account for each day in the period (month or statement cycle) divided by the number of days in the period.