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    • Dollar Sign Crossed Out in Circle

      No minimum account opening balance

    • Percent Sign in Circle

      Earn interest on collected balances

    • Graph with Arrow pointing upwards

      Higher interest with higher balances

    • Check being written

      Limited check writing available1

  • The More You Invest, the Higher Your Rate:

    Increase your interest income by keeping the majority of your working capital in a FirstRate Business Money Market account and transfer funds as needed into your business checking account. Increased balances earn increased rates to maximize your cash flow.

    Key Account Details:

    • No minimum account opening balance
    • Earn interest on your daily collected balance
    • With a tiered interest rate, earn more interest with higher balances
    • Limited check writing available1
    • We charge a $10 monthly service charge for this account.2

    No Monthly Service Charge With:

    • $5,000 or more average daily balance in this account

    Benefits For Your Employees:

    • Workplace Banking, an exclusive package of discounted financial services for your employees at no cost to you

    Convenient Access to Cash:

    • Surcharge-free cash access at more than 550 FNB ATMs1

    Convenient Online Access3:

    • Free paper and online statements with free check images
    • Make convenient deposits at FNB branches, ATMS or through the FNB Business Mobile app
    • Enjoy convenient access and robust capabilities with Business Online Banking, FNB Business Mobile app and Telephone Banking
  • Your Initial Deposit:

    • There is no minimum account opening balance for this account.

    Required Identification:

    Depending on your type of organization, we may need one or more of the following documents when opening your account. These may include:

    • Department of State printout of business registration/Government-issued business license
    • CPA-signed tax return
    • Articles of Incorporation or Organization
    • Operating Agreement or Bylaws
    • Partnership Agreement

    Optional Items:

    • If you would like to order checks, you may do so during the application process1
    • If you request a debit card when you open your account, it will be mailed to you within 5-7 business days. If you need your card sooner, you can pick one up immediately at your local FNB branch.

With any account, you also get the latest in digital technology:

Products With You In Mind

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Notices & Disclosures
1 - No more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle including transfers to another account of the depositor at the same institution or to a third party by means of preauthorized, telephone or automatic transfer, or by check, draft, debit card. Excess Transfer fee of $15.00 will be assessed for each transaction in excess of the prescribed limits. You can make unlimited deposits and withdrawals at a branch or ATM. Failure to follow the transfer limitations may result in converting your interest bearing account to a non-interest bearing product type.
2 - Consult your local FNB branch for more information regarding the Business Fee Schedule. Fees subject to change.
3 - For the FNB Business Mobile Banking app data and carrier fees may apply.

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