First State Bank of the Florida Keysbanking in the keyskeys community
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Business Banking - Checking
EZ Business Checking
Small Business Checking
Commercial Checking
Business NOW Checking

First State Bank of the Florida Keys offers Checking Accounts to meet the needs of business customers large and small, including EZ Business Checking, Small Business Checking, Commercial Checking, and Business NOW Checking. 

The following benefits and parameters apply to all Business Checking accounts:

  • Minimum opening deposit: $250
  • FREE Online Banking
  • FREE Business Debit Card

EZ BUSINESS CHECKING

With no minimum balance and free processing of 150 items per month, it doesn't get any easier than our EZ Business Checking!
 

  • No minimum balance requirement
  • 150 items processed FREE per month 
  • $.35 per item over 150
  • FREE E-Statements with images or Paper Statements without images

Accounts with a negative average collected balance are charged a rate of 2 percentage points above the Bank's prime rate times the negative average collected balance in the account.

Open an account at any branch or Contact us Today!
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SMALL BUSINESS CHECKING

If your business has a small number of transactions, but wants a bank that's big on service, our Small Business Checking account is just your size.

  • 300 items processed FREE per month 
  • $.35 per item over 300
  • FREE E-Statements with images or Paper Statements without images*

AVERAGE COLLECTED BALANCE
SERVICE CHARGE ASSESSED
$5,000 or more
None   
$0 to $4,999     
$15 per month

*Paper Statements with images are available for a fee. Please refer to General Service Charges for current fee.

Accounts with a negative average collected balance are charged a rate of 2 percentage points above the Bank's prime rate times the negative average collected balance in the account.


Open an account at any branch or Contact us Today!
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COMMERCIAL CHECKING

Commercial Checking is the account for businesses with high transaction volume who wish to use the balance in their account to help offset their account fees.    

  • An earnings credit is used to offset eligible fees in this account. It is calculated by applying a rate, set by the Bank and subject to change, to the positive average collected balance less an allowance for the 10% Federal Reserve requirement.

Service Charge$15 per month
Deposits Credited$.30 per deposit
Items Paid$.15 per item
Items Deposited$.10 per item
Management FeeVariable rate on average ledger balance. Set by Bank and subject to change.

  • FREE E-Statements with images or Paper Statements with images


Accounts with a negative average collected balance are charged a rate of 2 percentage points above the Bank's prime rate times the negative average collected balance in the account.


Open an account at any branch or Contact us Today!
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BUSINESS NOW CHECKING

Under Federal Law and Regulation, certain businesses and organizations are eligible to open NOW Accounts. Qualifying customers include individuals operating sole proprietorships (not incorporated and not partnerships) and non-profit organizations operated for religious, philanthropic, charitable, educational, fraternal or similar purposes.

  • Interest paid on collected balance less the 10% Federal Reserve requirement*
  • 150 items processed FREE per month 
  • $.35 per item over 150
  • FREE E-Statements with images or Paper Statements with images

AVERAGE COLLECTED BALANCE
SERVICE CHARGE ASSESSED
$2,500 or more
None   
$0 to $2,499     
$15 per month

*Must maintain a collected balance of $2,500 in the account each day to earn interest.

Open an account at any branch or Contact us Today!
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The Unlawful Internet Gambling Act of 2006 prohibits a bank from
processing restricted transactions through your business account.
Click Here for more information.

 

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