A great community deserves a great community bank!

A great community deserves a great community bank!

Business Banking

Checking Accounts

These accounts are designed especially for our business customers. Decide which one is right for your business needs and one of our Customer Service Representatives will be happy to assist you.

Regular business Checking

The Regular Business Checking account is ideal for businesses in need of a simple checking account.

  • $1000.00 minimum daily balance required to avoid a monthly service charge of $10.00
  • Earn a credit of $0.20 per $100 average daily collected balance to offset charges
  • Unlimited deposits and checks
  • The following additional charges apply to this account: $0.15 per item for checks written on the account
  • $0.08 per item deposited
Negotiable Order of Withdrawal ( NOW)

Only available to Sole Proprietorships Sole proprietors can earn interest on a NOW checking account while maintaining easy access to funds. Call our new account representative for the current annual percentage yield.

  • Minimum opening balance – $1000.00
  • Daily minimum balance of $1000.00 required to avoid $10.00 monthly service charge
  • Unlimited deposits and checks

Checking Accounts

These accounts are designed especially for our business customers. Decide which one is right for your business needs, and our new accounts representative will be happy to assist you.

Regular business Checking

The Regular Business Checking account is ideal for businesses in need of a simple checking account.

  • $1000.00 minimum daily balance required to avoid a monthly service charge of $10.00
  • Earn a credit of $0.20 per $100 average daily collected balance to offset charges
  • Unlimited deposits and checks
  • The following additional charges apply to this account: $0.15 per item for checks written on the account
  • $0.08 per item deposited
Negotiable Order of Withdrawal ( NOW)

Only available to Sole Proprietorships Sole proprietors can earn interest on a NOW checking account while maintaining easy access to funds. Call our new account representative for the current annual percentage yield.

  • Minimum opening balance – $1000.00
  • Daily minimum balance of $1000.00 required to avoid $10.00 monthly service charge
  • Unlimited deposits and checks

Money Market Account

Earn interest at a higher rate with a Money Market account. This account is available to all business customers. Call our new account representative for the current annual percentage yield.

  • Minimum opening balance – $2500.00
  • Minimum daily balance of $2500.00 required to avoid a monthly service charge of $10.00
  • Transfers from a Money Market Deposit account to another account or to third parties are limited to six per statement cycle.
  • Minimum withdrawal amount per transaction is $1000.00

Money Market Account

Earn interest at a higher rate with a Money Market account. This account is available to all business customers. Call our new account representative for the current annual percentage yield.

  • Minimum opening balance – $2500.00
  • Minimum daily balance of $2500.00 required to avoid a monthly service charge of $10.00
  • Transfers from a Money Market Deposit account to another account or to third parties are limited to six per statement cycle.
  • Minimum withdrawal amount per transaction is $1000.00

Savings Accounts

HNB FIRST offers these savings products to accommodate our business customers. Please contact one of our savings representatives for the current annual percentage yield on any of our savings products.

Regular Savings

This savings account earns interest, but allows you to maintain a low balance and have easy access to funds.

  • Minimum opening deposit $100.00
  • Unlimited deposits
  • Quarterly statements (provided monthly with EFT or ACH activity)
  • Interest accrues daily and compounds quarterly
  • A minimum daily balance of $100.00 will avoid a service charge of $2.00 per month
  • Unlimited withdrawals by mail, ATM or in person
  • Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
  • Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
  • Fee of $50.00 if the account is closed within six months of opening
Certificates of Deposit (CDS)

With as little as $500.00 you may purchase a Certificate of Deposit in your business name and earn a higher rate of interest.

  • Minimum opening deposit $500.00
  • Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
  • Terms range from 3 months to 5 years
  • Early withdrawal penalties may apply if withdrawn before maturity
Self Employed Pension Plans (SEPS)

SEPs allow the self employed person to save for their own retirement while contributing to your employees’ financial future.

  • Minimum opening deposit $500.00
  • Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
  • Terms range from 3 months to 5 years
  • Early withdrawal penalties may apply if withdrawn before maturity

Savings Accounts

HNB FIRST offers these savings products to accommodate our business customers. Please contact one of our savings representatives for the current annual percentage yield on any of our savings products.

Regular Savings

This savings account earns interest, but allows you to maintain a low balance and have easy access to funds.

  • Minimum opening deposit $100.00
  • Unlimited deposits
  • Quarterly statements (provided monthly with EFT or ACH activity)
  • Interest accrues daily and compounds quarterly
  • A minimum daily balance of $100.00 will avoid a service charge of $2.00 per month
  • Unlimited withdrawals by mail, ATM or in person
  • Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
  • Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
  • Fee of $50.00 if the account is closed within six months of opening
Certificates of Deposit (CDS)

With as little as $500.00 you may purchase a Certificate of Deposit in your business name and earn a higher rate of interest.

  • Minimum opening deposit $500.00
  • Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
  • Terms range from 3 months to 5 years
  • Early withdrawal penalties may apply if withdrawn before maturity
Self Employed Pension Plans (SEPS)

SEPs allow the self employed person to save for their own retirement while contributing to your employees’ financial future.

  • Minimum opening deposit $500.00
  • Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
  • Terms range from 3 months to 5 years
  • Early withdrawal penalties may apply if withdrawn before maturity

Loans

HNB First offers a variety of business loans to meet your short and long term credit needs. Please contact one of HNB FIRST’s loan officers for current loan rates and terms.

Land Development
  • Non Residential Construction
  • Rental Property
  • Property Purchases
Farm Loans
  • Crop Expense
  • Equipment
  • Livestock
  • Agribusiness
Miscellaneous Business Loans
  • Equipment
  • Line of Credit
  • Automobile

Loans

HNB First offers a variety of business loans to meet your short and long term credit needs. Please contact one of HNB FIRST’s loan officers for current loan rates and terms.

Land Development
  • Non Residential Construction
  • Rental Property
  • Property Purchases
Farm Loans
  • Crop Expense
  • Equipment
  • Livestock
  • Agribusiness
Miscellaneous Business Loans
  • Equipment
  • Line of Credit
  • Automobile

Assistance

Loan Application

A full array of loans with competitive rates to
meet your needs. Start your application today!

24 Hour Banking

Securely access your bank accounts
anytime, anywhere!

Debit Card Information

Have debit card questions?

Order Checks

Running out of checks? Reorder them online today!

Send a Message

Have a question about business checking accounts? Please use the form to send us a secure message and a bank representative will be in contact soon. To speak with a representative of HNB First Bank directly, please call 334-693-3352 or toll free 1-866-693-3352 during banking hours.

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