First City Bank - Business Banking

Business Banking

First City Bank offers the following to businesses:

Checking Accounts Savings Accounts Merchant Services
Credit Cards Vehicle Loans Real Estate Loans

Safe Deposit Boxes

Our commitment is to provide a range of financial products and services that meet your business and commercial banking needs. As a community bank with specific focus, we offer core business banking services to provide you with the best for less.

First City Bank is centrally located in the Grandview/Upper Arlington area of Columbus, Ohio. For qualified Business Checking Account customers throughout Central Ohio, we offer First City Bank "no charge" Courier Service. (Contact Business Banking department at 614-487-1010 for details).

Business Checking Accounts

First City Bank offers flexible business checking accounts. If you are a sole proprietor or a $100 million business, we have an account to meet your needs. All accounts require a minimum deposit to open and have no service charges if account terms, conditions, and minimums are met.

Commercial Checking

Designed for businesses with high monthly transaction volume. Variable earnings credit based on average balances can offset monthly service charges. No minimum balance required.

Custom Business Checking

Designed for small businesses that expect to have low monthly transaction volume. No minimum balance required.

Sole Proprietor Checking

First City Bank allows our Sole Proprietor business customers to open a (less expensive) Consumer Checking account "DBA" with business name.

Business Savings Accounts

BUSINESS MONEY MARKET SAVINGS at First City Bank offers a competitive interest rate with a $1,000 minimum balance. Limited check writing capability.

FIRST CITY BANK Business Checking & Savings Accounts

COMMERCIAL CHECKING CUSTOM BUSINESS CHECKING BUSINESS SAVINGS
MONEY MARKET
Required Opening Deposit $100 $100 $1,000
Minimum Balance NONE NONE $1,000
Balance to Avoid Service Charges NONE $10,000 $1,000
Monthly Service Charge $7
An earnings credit can offset service charges and transaction fees. $7
Avoided with $10,000 minimum average collected balance. $10
Avoided with $1,000 minimum daily collected balance.
Transaction Fee

Items paid $0.14
Deposit Ticket $0.25
Deposited Item $0.08

(Earnings credit can reduce or eliminate service charges) Up to 300 items per month paid or deposited at no charge. $0.25 per item thereafter. Six (6) pre-authorized transactions per statement cycle. Three may be third party checks. $5.00 per item thereafter.
Interest and Payment Method N/A N/A Interest accrues daily based on daily balance method. Interest compounds and pays monthly.
Statement Check Imaging NO CHARGE NO CHARGE NO CHARGE
Telephone Voice Response Banking NO CHARGE NO CHARGE NO CHARGE
Courier Service Free for qualified balances. Ask your Business Banker. Free for qualified balances. Ask your Business Banker. N/A

NOTE: Small Sole Proprietor Businesses are permitted to open up a Consumer "DBA" account for their business. This can help a small business with low volume and low average balances avoid service charges while they grow.

Merchant Services

First City Bank Merchant Services are offered through a leading national payment processor, BancCard. We offer your business the ability to process Debit/ATM/Credit Card payments as inexpensively as possible.

Competitive rates Training & Support Check Verification
Visa, MasterCard, AMEX, Discover, Carte Blanche, & Diners Club acceptance.

Service available for First City Bank Business Checking or Commercial Deposit customers only. Call our Business Banking department today to become a customer.

Business Credit Cards

Available for credit-qualified First City Bank Business Checking Account customers with NO ANNUAL FEE. Save time and money with online access, travel insurance, travel discounts, 25-day interest free grace period. If you are a First City Bank business customer or would like to be, call our Business Banking department today.

Business Vehicle Loans

Available for credit-qualified First City Bank Business Checking account customers only.
Competitive rates, programs for one vehicle or fleet of vehicles.

Owner-Occupied Business Real Estate Lending Programs

Your business may need First City Bank's commercial real estate lending expertise to finance construction, remodel, purchase, or refinance of Commercial Real Estate. First City Bank finances owner-occupied Office Buildings, Office/Warehouse Buildings, Light Industrial, other Real Property used for your business.

Features of owner-occupied commercial real estate loans include:

Local service and decision making
Up to 25 year amortization
Fixed or Variable interest rates
Quick response, competitive pricing, closings when you need them.

First City Bank offers quick, creative solutions to your commercial real estate needs. Call a Business Banking expert today.

Small Business Administration Loans

SBA loan programs help small businesses with loans offering favorable terms and conditions. SBA programs are U.S. Government guaranteed loans that may be used for real estate acquisition or expansion. For businesses without sufficient down payment or track record to warrant approval for a conventional commercial real estate loan, SBA can be a viable alternative.

First City Bank offers you:

Local decision-making and service to provide you with fast response and convenient servicing of your account.
Long term loans up to 25 years with no balloon payment.
Fixed or variable interest rates (fixed up to 20 years).
Down payment as low as 10% for purchases.
Access to companion programs to lower interest rates.

Contact one of our Business Banking Experts today. First City Bank is ready to assist you with your SBA real estate financing needs.