1st Bank

1st Bank Sidney and Broadus Montana

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Online Banking

Business LIMITED
For small Businesses

No Minimum Balance
30 free items deposited monthly, $.30 each thereafter
30 free debits per month, $.30 each thereafter
Truncated Account -- no check images.

Business Checking I
For qualified businesses, farming and ranching operations

$500.00 minimum deposit to open
50 free items deposited monthly, $.20 per deposited item thereafter
75 free debits monthly, $.20 per debit item thereafter
$7.00 monthly service charge and $.20 per debit and all items deposited if below the minimum balance

Business Checking II
fOR ALL BUSINESSES WITH HIGH ACTIVITY

Fees Based on Account Analysis

No minimum balance
Deposited checks fees: On 1st Bank $0.06/check; All other checks $0.08/check
$5.00 charge for returned item processed against the account
Deposited checks fees-on 1st Bank $0.06/check-Local clearing bank $0.08/check
Interest charge of 1% over New York Prime Rate on negative collected balance
3% reserve requirement deducted from ledger balance
Credit computed monthly, made available to offset service charge

Business interest checking
for sole proprietorships and non-profit corporations

Interest credited monthly
Fees based on Account Analysis (See Business Checking II for fees)

Business savings
for all businesses

$500.00 minimum balance
If below minimum balance: $5.00 monthly service charge
3 free debits monthly, $2.00 per debit thereafter

Business insured market fund
money market

$1000.00 minimum balance or $5,000.00 average collected balance
$10.00 monthly service charge and $.25 per debit if below the minimum or average collected balance
Limit of 6 debits per statement cycle.

Business 1st fund
money market

$25,000.00 minimum deposit
3 free debits per statement cycle, $2.00 per debit (of any kind) thereafter
$10 monthly service charge for balances below minimum balance
Limit of 6 debits per statement cycle

Organizational checking
for non-profit organizations

No minimum balance
No monthly fee

organizational savings
for non-profit organizations

$50.00 minimum balance
$5.00 monthly service charge if below minimum balance
3 free debits monthly, $.50 cents per debit thereafter
Per item fees waived if an average collected balance of $500.00 is maintained