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  4. Commercial Analysis Accounts

Commercial Analysis Accounts

Aggregate your deposit accounts into a single relationship

To open an account, talk with your local Financial Services Representative

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Commercial Analysis Accounts aggregate your deposit accounts into a single relationship, with all facets of the accounts working together for your benefit. Our Analysis portfolio includes five types of accounts designed for businesses with higher activity levels or with the need to manage cash more effectively.

The foundation of these accounts is simple: Based on balances maintained across multiple accounts, you receive an earnings credit that can offset a portion or all service charges that accrue for each statement period. Commercial Analysis Accounts also enhance your ability to keep track of the funding activities for various aspects of your business, like payroll, savings, daily operations and risk management.

Analysis Business Checking

  • Low monthly maintenance fee
  • The way to go for many businesses with a moderate to high number of transactions and a need for varied Business & Treasury services to manage cash flow and optimize earning
  • A non-interest bearing account with only a $100 minimum deposit required to open

Business Checking with Interest

  • The perfect account for sole proprietors, for-profit companies and nonprofit organizations that want to earn interest on their funds and have a moderate to high number of transactions each month
  • An interest-bearing account with only a $100 minimum deposit required when opening the account
  • Interest paid on daily collected funds, compounded daily and credited monthly

Commercial Money Market Checking

  • Ideal for any company that has a moderate to high number of monthly transactions and wants to earn interest on its funds
  • Low monthly maintenance fee
  • Unlimited check writing privileges
  • Money Market interest rates on a daily collected balance of $1,000 or more
  • Checking with Interest rates on a daily collected balance below $1,000
  • Interest compounded daily on the daily collected balance less the reserve requirements of the Federal Reserve

Public Insured Money Market Checking

  • Available only to public institutions and tailored to their special requirements
  • Low monthly maintenance fee
  • Unlimited check writing privileges
  • Money Market interest rates on a daily collected balance of $1,000 or more
  • Checking with Interest rates on a daily collected balance below $1,000
  • Interest compounded daily on the daily collected balance less the reserve requirements of the Federal Reserve Bank

Commercial Money Market Savings

  • No monthly maintenance fee
  • Requires only $100 to get started
  • Money Market interest rates on a daily collected balance of $1,000 or more
  • Checking with Interest rates on a daily collected balance below $1,000
  • Make unlimited withdrawals or transfers in person, by mail or at any ATM1

All Analysis Accounts offer:

  • Monthly fee offset by account balances; correlation of multiple accounts
  • Earnings credit rate for maintaining higher balances
  • Detailed monthly analysis statement to easily monitor account activity
  • Treasury Services to help cut costs, improve cash flow and simplify accounting
  • All services offered with every business checking account:
+ View Legal Disclosures− Hide Legal Disclosures

Account openings are subject to Bank approval.

1. Federal regulations limit the number of withdrawals and transfers per statement period from Commercial Money Market Savings accounts. Account and transaction-related fees may apply; refer to the Disclosure of Product and Fees - Business Accounts Services for details.

$211 monthly maintenance fee

Minimum opening deposit: $100

Per item fees:
  • $0.20 per debit/check paid
  • $0.80 per paper deposit
  • $0.402 per electronic deposit
  • $0.14 per item deposited — In-State/Out-of-state/Government/On-Us

Deposit Protection Fee (per $1,000 average daily ledger balance of up to $250,000): $0.097

To open an account, talk with your local Financial Services Representative

+ View Legal Disclosures− Hide Legal Disclosures

Account openings are subject to Bank approval.

1. In WV, monthly maintenance fee is $10.

2. In AZ and Southern California, fee is $0.25 per electronic deposit.

Questions?

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1.866.FCB 4BIZ (1.866.322.4249)

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