Business Checking

You may be pleasantly surprised by our business checking accounts - your convenience is a priority. With your Business Premier Advantage or FREE Business Checking account, you can devote your full energy to running your business, and less to cross-checking bank fees.

Cash Management services are also available through online banking. Online bill-pay, ACH generation, Payroll Direct Deposit, and much more are ready to help you save time and manage your accounts payable and receivable.

Please see a bank representative for full details on Cash Management services.


Take a look...


Free Business Checking

The Free Business Checking Account has no monthly service charge or minimum balance. Unlimited debits give you the freedom to manage your business without having to worry about banking fees.

  • No minimum deposit required to open the account.
  • No minimum balance to maintain.
  • FREE unlimited debits
  • FREE standard Internet Banking with Bill-Pay
  • Remote Deposit Check Scanning Available
  • Automatic Debit / Check-By-Phone Available
  • Customer must pay for their own checks, but they may be
    purchased through any source.

Minimum Balance: None
There are no monthly service charges

Deposit to Open: No Minimum
There is no minimum deposit required to open the account.

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Business Premier Advantage

Tired of cross-checking per-item fees? Looking for extras and advantages for your business and your employees? This account earns interest and includes numerous services, advantages and extras.

You will enjoy many benefits, including:

  • Monthly Interest Payments
  • FREE unlimited check writing
  • FREE unlimited debits
  • FREE coin/currency orders
  • FREE check imaging and digital storage in bank archive
  • FREE standard Internet Banking
  • Lending Advantages and Employee Extras (see below)

Deposit to Open: $1500
A minimum deposit of $1,500 is required to open the account.

A $15.00 monthly service fee applies to this account.

  • However, if a $10,000 average daily balance is maintained, the fee is reduced to $10.00.

This account earns a tiered interest rate. The entire balance is subject to the higher rate when the average monthly balance reaches the second tier. For current rates, click the Rates tab.

Tier I Rate.....$0.01 - $10,000.00
Tier II Rate....$10,000.01 - $100,000.00
Tier III Rate--$100,000.01 and up


  • Statement on Compact Disk just $5/month
  • Duplicate check printing: $2 each check
  • Financial advisor services

Employee Extras
With their own Friendship Advantage checking account,
your employees are entitled t

  • One-time 1/4% rate reduction on a personal loan
  • One-time 1/4% rate increase on certificate of deposit
  • Earn interest on checking deposits
  • Paycheck direct deposit
  • FREE Internet Banking & FREE Online Bill-Pay

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Community Checking

Available for qualifying fraternal, religious and non-profit organizations.

  • Pays interest (see "Rates" link)
  • No minimum deposit to open account
  • No minimum daily balance

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Health Savings Account

The Friendship State Bank offers a no-nonsense Health Savings Account (HSA) designed to save you money, earn you interest and make it easy for you to withdraw funds from your account to pay for your "high deductible health care plan" expenses. Before you take the HSA plan handed to you by your health insurance provider, consider the terms of our account.

  • FREE Set-Up       
  • FREE Transactions
  • Earns Interest
  • $3.75 Monthly Maintenance Fee
  • MasterCard Debit Card - for easy payments at your provider
  • FDIC Insured - $250,000
  • Minimum to Open: $250

Please visit any branch or call for full details.

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Other Business Services

Complimentary Services
The Friendship State Bank offers these complimentary services for your convenience:

  • Tele-teller at 877-612-BANK
  • Telephone Transfers
  • Bank-by-Mail
  • Night Depository
  • Drive-Up service (except at Friendship)

Credit Services
The Friendship State Bank offers all types
of commercial loans, including, but not limited t

  • Commercial lines of credit
  • Construction loans
  • Loans to purchase equipment
  • Short-term cash flow needs

Our experienced lending staff will give you the best options and terms to meet the credit needs of your business.

Credit Card Merchant
As a merchant who accepts payment by Discover, MasterCard and Visa, you not only increase the purchasing power of your customers, but you also eliminate the risk of accepting a bad check.

In addition, through electronic data capture, your deposits are credited within 48 hours. For more information, please see any of our employees.

Commercial Internet Banking
Instant account access 24-hours a day, along with automatic payroll, automatic tax payments, and Bill-Pay options, makes our Internet banking services a convenient way to manage your business finances.