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Business Banking

No matter what your business needs, we have a solution that's just the right fit for you and your company. Let us help keep your business on the right track.

Business Checking

Premium Business

Value Business

Basic Business

Anywhere Banking ToolsAnywhere Banking ToolsAnywhere Banking Tools
$1,500 Overdraft Privilege*$1,000 Overdraft Privilege*$500 Overdraft Privilege*
Monthly Activity: Transaction fees off-set by your account balance.Monthly Activity1: 500 Transaction Items | $15,000 in Cash DepositsMonthly Activity2: 150 Transaction Items | $10,000 in Cash Deposits
eStatements: Securely emailed to you monthly.eStatements: Securely emailed to you monthly.eStatements: Securely emailed to you monthly.
$25 Check Order Voucher: New Accounts Only - Good for one year.$15 Check Order Voucher: New Accounts Only - Good for one year.
Year End CD-Rom: Available upon request.Year End CD-Rom: Available upon request.
BaZing AdvertisingBaZing Advertising
One-Time $10 Check Order Voucher
Soft Charges: Offset by your account balance.Service Charge: $7 monthly with no minimum balance requirement.Service Charge: $8 monthly; waived when the minimum daily balance of $250 is maintained.
Minimum to Open: $100.00Minimum to Open: $100.00Minimum to Open: $100.00
 

Additional Features

Statements Mailed Monthly. $5 per month.Statements Mailed Monthly. $3 per month.Statements Mailed Monthly. $5 per month.
Mobile Check Deposit. $6 per month.
($5,000 per day or $25,000 per month)
Mobile Check Deposit. $6 per month.
($5,000 per day or $25,000 per month)

* See First Century Bank Overdraft Privilege Information below. 

1 If 500 Transaction Items or $15,000 in Cash Deposits per month are exceeded more than three times a year, the account will automatically move to a Premium Business Account. 

2 If 150 Transaction Items or $10,000 in Cash Deposits per month are exceeded more than three times a year, the account will automatically move to a Value Business or Premium Business Account.



Non-Profit Checking

Non-Profit Plus Checking

Non-Profit Checking

Anywhere Banking ToolsAnywhere Banking Tools
$1,000 Overdraft Privilege*$500 Overdraft Privilege*
Year End CD-Rom: Available upon request.Monthly Activity1: 150 Transaction Items | $10,000 in Cash Deposits
eStatements: Securely emailed to you monthly.eStatements: Securely emailed to you monthly.
Competitive Rate of Interest Earned
Service Charge: $7 monthly with no minimum balance requirement.Service Charge: $5 monthly; waived when the minimum daily balance of $150 is maintained.
Minimum to Open: $100.00Minimum to Open: $100.00
 

Additional Features

Statements Mailed Monthly. $5 per month.Statements Mailed Monthly. $5 per month.
Mobile Check Deposit. $6 per month.
($5,000 per day or $25,000 per month)

* See First Century Bank Overdraft Privilege Information below.
1 If 150 Transaction Items or $10,000 in Cash Deposits per month are exceeded more than three times a year, the account will automatically move to a Non-Profit Plus Checking Account.


First Century Bank Overdraft Privilege

Overdraft Protection Options: 
  • Savings transfer or link1 - $5 fee per transfer 
  • Line of Credit1, 2 - Subject to fees + interest 

1Call us at (423) 626-7261, email us at info@fcbtn.com, or come by a branch to sign up or apply for these services; 2Subject to credit approval. 


Overdraft Privilege

With our busy lives, it's easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.


First Century Bank may have the solution you're looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege.


First Century Bank will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts.


*Accounts will be charged the standard Overdraft fee of $35 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $35 for items returned. On commercial accounts, if your account balance remains overdrawn for longer than 3 days, the account will be charged a daily overdraft fee of $10 for each of the consecutive calendar days the account remains overdrawn, beginning with day 3. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to First Century Bank or if your account is subject to any legal or administrative order or levy.