At First National Bank & Trust we recognize the complexity of running your own business and understand that a checking account is an important tool for conducting business transactions.  Our goal is to provide our customers with a checking account that is convenient and easily accessible while we continue to develop new tools and solutions to better serve business owners.

Small Business Checking Account

Our small business checking account is for all entity types that have low volume checking needs.

Features of a Small Business Checking account include:

  • No minimum balance requirements.
  • No monthly maintenance fee with enrollment in eStatements.
  • Internet access with bill pay.
  • First 100 paper items processed at no charge.

Business Checking Account

Our business checking account is the most commonly used deposit account.  Balances maintained in the account are used to offset service charges which are among the lowest in the area.  As a result, service charges are typically charged only to high volume/low balance customers.

Features of a Business Checking account include:

  • Copies of check images with each monthly statement.
  • Free complimentary supply of deposit slips at account opening.
  • Internet access with bill pay.
  • No restrictions on the number of deposits or withdrawals.

IOLTA  Account

An IOLTA account or Interest on Lawyer Trust Account, allows lawyers to place certain nominal and short-term client funds into a pooled interest bearing checking account.  Interest paid is remitted to the Michigan State Bar Foundation to pay for legal services for the poor and impoverished in the administration of justice.

Features of an IOLTA account include:

  • A competitive rate of interest.
  • No minimum balance.
  • Unlimited deposits and withdrawals.

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