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Business Checking

Customer making a purchase with debit card at an antique business.
 
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.

Free Business Checking
A no-frills account giving you the freedom to manage your business without working about fees.
 
Business Premier Advantage
This account earns interest and includes numerous services, advantages and extras.
 
Community Checking
For qualifying fraternal, religious, co-op, non-profit and community service based organizations.
 
Health Savings Account
A no-nonsense HSA designed to save you money for your "high deductible health care plan" expenses.

 

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.

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 here.
    • 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
Extras
  • 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 to:
  • 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

Community Checking


Available for qualifying fraternal, religious, co-op, non-profit and community service based organizations.
 
  • Pays interest (see Rates)
  • No minimum deposit to open account
  • No minimum daily balance

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 877-667-5101 for full details.
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Remote Deposit Capture
 
It's like a bank inside your business. Saving you time and saving you money.

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