Business Banking   Commercial Checking Commercial Savings Business Loans Certificate of Deposit (CD) Merchant Services Safe Deposit Boxes   Commercial Checking Convenience and fair service charges sum up our Commercial Checking accounts. Service charges are based on volume of checks written, volume of checks deposited, use of night deposit services, and coin and currency requirements. An earnings credit, which can change at anytime and at management's discretion, is applied toward the monthly service charges.   Maintenance Fee: Per Debit Fee: Per Deposited Item: Earnings Credit: $5 per month 15¢ per item 5¢ per item 25¢ per each $100 of average available balance   Commercial Savings Money Market accounts, First Rate Money Market accounts, and Everyday Savings accounts are available to businesses and pay a competitive rate of interest. These accounts allow your business quicker access to funds than a Certificate of Deposit or other investment account. Federal regulations limit transaction activity on these accounts to 6 withdrawals per statement period (3 of which may be checks).   Business Loans First Community Bank is committed to the business community. We understand it takes capital to build a business whether it's retail, manufacturing or a farming business. We offer a variety of loans to assist you in increasing your inventory, purchasing equipment and expanding your company. We also make loans for construction of new commercial real estate such as apartments, business buildings, remodeling loans and loans to purchase farm or ranch land.   Certificate of Deposit (CD) First Community Bank's Certificates of Deposit pay attractive interest rates and are available at various terms. Your First Community Bank CD can even be used as collateral for a business loan. Opening deposit minimum is $500 Interest rates set at the beginning of the term and will not change for the term of the account Interest begins to accrue on the first business day of deposit Interest can be credited back into the CD, sent to you by check, or deposited into another First Community Bank account Automatic renewal on the maturity date for an identical period of time is available, at the current interest rate for that term A 10 day grace period, after the maturity date, allows the customer the convenience to withdraw the funds or change the term without penalty Early withdrawal penalties: Less than 12 month CD   -   3 months of interest 12 months or more CD     -   6 months of interest Please call us for current rates at (620)343-9500, (620)343-1010, or (620)437-2031   Merchant Services Eliminate carrying accounts receivable by using our Visa/MasterCard Merchant Service. You have the option of using touchtone capture or electronic credit authorizations and transactions. Call now and one of our friendly employees will get you set up.   Safe Deposit Boxes First Community Bank has a variety of safe deposit boxes available for rent at our Main Office or our Madison Branch. A refundable key deposit of $8 is required. Several sizes are available Annual fees for rental vary by box size

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