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Business Banking

First Commercial Checking

Our commercial checking account is offered to corporations, partnerships, sole proprietors and nonprofit organizations. With our commercial checking account, you earn credit on your account balance to offset fees.

  • Minimum to open $100.00
  • Monthly fee $7.00
  • Deposit or Debit Fee - $.15 per transaction
  • Per Deposited Item Fee - $.08 per item within each transaction
  • Returned Deposit Item Fee - $6.50


First Business Checking

This account is an option for businesses that are just starting out or have limited account activity.

  • Minimum to open $100
  • Monthly fee $5.00
  • Deposit or Debit Fee – first 25 deposited items free, $.15 per deposit/debit over 25
  • Per Deposited Item Fee - $.08 per item over first 40 deposited items
  • Returned Deposit Item Fee - $6.50
     

Effective May 11, 2018, new regulations designed to aid the government in the fight against terrorism and other national security threats, require us to gather detailed information and documentation if you will be opening or updating a business or loan account.

Each time an account or loan is opened or updated for a covered legal entity (sole proprietors are excluded), The First will be required to ask for identifying information including: name, street address, date of birth, social security number, and a copy of an unexpired government ID.  This applies to the following:

● Each individual who has 25% or more beneficial ownership in the legal entity
● One individual who has significant managerial control of the legal entity

We will not be able to open an account or a loan for a legal entity without the proper information and documentation. To help you speed the process of opening or updating a loan or account, we recommend that you obtain the above information prior to your visit to the bank. As you open the loan or account, you will need to complete and sign a certification form stating that the information and documentation provided is valid.

The certification form should be kept current by the legal entity. The First may periodically ask to verify and/or update the information on file.

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.

(place holder for rate table)

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Investment Cash Management Sweep Account

Looking to invest available funds? Then your business may benefit from a Cash Management Sweep arrangement. After each day's transactions have posted, a peg balance is maintained, and any excess funds are swept into or deficit funds are taken out of a Money Market Mutual Fund Account, which is not FDIC-insured. This service will help you keep any excess funds invested, therefore maximizing the use of the funds and improving your day-to-day cash management by putting excess funds to use.

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Electronic Banking Services

  • Obtain balance information
  • Transfer funds among your accounts
  • Stop payments
  • Verify issued check numbers and/or amounts
  • Initiate loan payments or advances
  • Full-Service Payroll Processing
  • Batch Processing and Real-Time Payments
  • Payment Verification
  • Remote Deposit Capture
  • Back Office Conversion Services

 

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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 Business 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 Business Credit Card (underwritten and issued by UMB Bank, n.a.) is designed to provide easy and immediate access to funds. Business owners that sign up for our Visa Business Rewards Card option can earn 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 Business Credit Card

  • Track spending easily with monthly accounts summaries
  • Monitor individual account activity electronically
  • Get 24/7 statemetn 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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