Business Banking

First State Bank of Ben Wheeler offers a full range of deposit accounts to meet your business needs. We offer business checking, savings, NOW and Money Market accounts. Contact one of our new account representatives to ask about our business accounts.

Business Checking Account

  • Minimum balance to open $200.00
  • Monthly maintenance fee $10.00
  • Per item fee of 0.15 per item over 150 statement items
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Business NOW Account

  • Minimum balance to open $1,500.00
  • If balance falls below $1,500.00 any day during a statement cycle a service fee of $10.00 will be charged and no interest will be paid for that month
  • Monthly maintenance fee $10.00
  • Per item fee of 0.15 per item over 150 statement items
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Business Money Market Account

  • Minimum balance to open $2,500.00
  • If balance falls below $2,500.00 any day during a statement cycle a service fee of $10.00 will be charged
  • If balance falls below $1,500.00 any day during a statement cycle no interest will be paid for that month
  • Transfers from a Money Market account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per monthly statement cycle with no more than three by checks or similar order to third parties.
  • For all transfers in excess of 6 per monthly cycle, a $10.00 fee will be accessed.
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Business Savings Accounts

  • Minimum balance to open $200.00
  • If balance falls below $200.00 any day during a statement cycle a service fee of $8.00 will be charged and no interest will be paid for that quarter
  • Excess withdrawal fee of $2.00 will be charged for each withdrawal in excess of six per quarter
  • If closed within 60 days a maintenance fee of $20.00 will be assessed

Business Certificate of Deposit

First State Bank offers a full line of CDs with competitive rates to meet your needs. Every business has its own unique cash flow patterns. Be prepared with our easy, flexible and FDIC insured CDs. First State Bank can help you make your plans for your business's future.

** For complete information, please contact a new accounts representative at any of our four banking location, or click here for an account brochure.

  • All interest rates subject to change
  • Additional fees for other banking services may apply.

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