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Business Checking Accounts

Basic Business Checking

First National Bank offers a free account for any businesses that carry a balance of $2,500 or more, run less than 100 items and register for eStatements.

  • Minimum to open: $50.00
  • Monthly maintenance fee*: $5.00
  • First 100 items (debits or credits): Free
  • Excess Item Fee: $0.45

*Requires $2,500 minimum balance to waive fee


Advanced Business Checking

Customers that carry a higher balance and need more transaction volume would benefit from our Advanced Business Checking account, which offers competitive interest for businesses that carry a balance of $50,000 or more.*

  • Minimum to open: $100.00
  • Monthly maintenance fee: $7.00
  • First 200 items (debits or credits): Free
  • Excess Item Fee: $0.45

*This account type is interest bearing.

 

Premium Business Checking

The First offers an analysis account for businesses with more complex financial needs. This specific account puts your money to work for you through a competitive monthly earnings credit to offset fees.

  • Minimum to open: $100.00
  • Monthly maintenance fee: $8.00
  • First 500 items (debits or credits): Free
  • Excess Item Fee: $0.45

 

 

Business Savings Account

Business Ultra Money Market

This account is a savings account with limited check writing availability. If your company account has idle funds not presently earning interest, this account will allow you to maximize the use of your funds. It is ideal for businesses that do not want to tie up large amounts of capital in certificates of deposit.

 

Electronic Banking Services

  • Real time transactions
  • Transaction history
  • Images
  • Transfer funds
  • Mobile App
  • Stop payments
  • Multiple users available
  • SnapShot Deposit
  • eStatements
  • Bill Pay
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Learn more at our Electronic Banking Center.

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Click Here to Contact Us

Credits and Loans

Strength When You Need It Most

Whether your business is just getting started or you are ready for expansion, The First has the loan products and solutions to make your business successful. We are a community bank; we make all our loan decisions locally and our commercial lenders take the time to learn about your business. If you haven’t experienced personal service in business banking, come to The First.

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Lines of Credit 

  • Adjust to seasonal fluctuations or carry accounts receivable and/or inventory
  • Use for short-term working capital
  • Take advantage of trade discounts or improve liquidity
  • Provide overdraft protection for your business checking accounts
  • Use available funds at your discretion just by writing a check


Term Loans

  • Cash to purchase or refinance business assets, including equipment and vehicles
  • Regular monthly payments allow you to manage cash flow during times of business expansion
  • Depending on the loan you need, the rate is fixed or variable
  • Flexible terms are available

 

Agricultural Loans 

  • Real estate acquisition or refinancing
  • Machinery and equipment
  • Livestock
  • Crop production

 

Real Estate & Construction Loans 

  • Rental properties
  • Retail properties
  • Commercial and industrial properties
  • Financing for interim construction or expansion
     

Equipment Leasing 

  • Low payments
  • Improved cash flow
  • Preservation of working capital
  • Inflation hedge
  • Tax benefits
  • 100% financing
  • Flexible terms
  • Flexible options at the end of the lease

 

Other Credit Services 

  • Professional Loans
  • Government-Guaranteed Loans
  • Letters of Credit 
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Other Business Services

  • Business Debit Card
  • Learn more about Merchant Services, click here
  • Retirement Plan Services

Business Credit Cards

Utilize our Visa Signature Business Rewards Credit Card to easily manage your expenses. Travel, business luncheons, entertaining clients and associates—simplify the way you spend and manage your expenses and cash flow.

At The First, our Visa Signature Business Rewards Credit Card (underwritten and issued by UMB Bank, n.a.) is designed to provide easy and immediate access to funds. Rewards earned can be up to 1 reward point for every dollar spent.

For more information or to apply, contact us or visit one of our locations. Banking with us is simple, easy and convenient!

 

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The advantages of our Visa Signature Business Rewards Credit Card:

  • Track spending easily with monthly accounts summaries
  • Monitor individual account activity electronically
  • Get 24/7 statement access and online payment facilities
  • Set individual spending limits by employee
  • Enjoy many additional Visa benefits including:
    • An embedded chip for enhanced security*
    • Purchase security/extended protection
    • Auto rental collision damage services
    • Travel/emergency assistance services
    • Visa's Zero Liability Policy**
    • Cardholder inquiry service

 

*Certain terms and conditions apply. See Guide to Benefits for complete details.

**Visa’s Zero Liability Protection covers U.S.-issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult the issuer.

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© First National Bank of Hutchinson   |  One N. Main Street, Hutchinson, KS 67501  |  620.663.1521  |  800.310.1521

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