Commercial Banking
Banking solutions designed for the unique needs of commercial businesses.
Premier Business Checking
The checking needs of small commercial businesses are well-suited for this hard-working business checking account.
Competitive interest rates are paid monthly on the daily collected balance.
Low-volume businesses that maintain a daily minimum balance of $2,500 will receive the first 200 transactions free* each statement cycle.
Minimum daily balances below $2,500 will incur a maintenance fee of $25 per statement cycle.
*A $0.25 fee will be applied for each item in excess of 200 debits and deposited items.
Analysis
A high-volume-business deserves a commercial checking account that can keep up.
Fees are imposed only when the monthly activity charges are not offset by your earnings allowance.
| Monthly Maintenance | $15 per statement cycle |
| Credits | $0.20 each item |
| Debits | $0.20 each item |
| Deposited Items | $0.10 each item |
| Returned Items (chargebacks) | $7 each item |
| Coin and Currency Counting | $0.15 per roll or banded bundle |
| ACH Online Originated | $15.00 per file |
| Special Handling | $25 per statement cycle |
Commercial Money Market
A savings account with tiered interest that's in your business's best interest.
Earn a premium interest rate on the daily collected balance while maintaining liquidity with our Commercial Money Market account. It has a tiered interest-rate structure for higher-balance accounts.
- $2,500 minimum daily balance requirement to waive $15 monthly maintenance fee.
- Limit of six transfers or withdrawals is allowed each statement cycle. Additional transfers or withdrawals incur a per-debit fee of $3.00.
- Free online access to account information, statements and check images with enrollment in Online Banking and Paperless Statements.
Business Credit Cards
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
- Free online expense reporting tools.
- No fee for additional employee cards.
- Mobile payment capability for added convenience.
- Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day / 365 days per year.
- *All loans are subject to credit approval.
- *The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
- *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
Business Debit Cards
Track your spending with a flexible business debit card that keeps you in charge.
- Use anywhere Mastercard ® is accepted
- Free unlimited ATM transactions at First Westroads Bank and MoneyPass ATMs
- Two free ATM transactions per statement cycle at non-First Westroads Bank and MoneyPass ATMs
Find a First Westroads Bank ATM location.
Debit- and Credit-Card Safety Tips
If Your Debit Card is Ever Lost or Stolen, call us immediately at (877) 226-2351, 24 hours a day, 7 days a week
If Your Credit Card is Ever Lost or Stolen, call us immediately at (800) 558-3424 for personal cards or at (866) 552-8855 for business cards
Safety Tips
- Sign the back of your card on the signature panel as soon as you receive it in the mail.
- Do not share your PIN (personal identification number) with anyone.
- Memorize your PIN and never write it on your card or keep it in your purse or wallet.
- Always pay attention to your surroundings when approaching an ATM. Make sure it is located in an open and well-lit location. When the transaction is complete, remember to take your receipt, card and cash and then leave immediately. Do not stop to count your cash until you are in a safe location.
- Order a copy of your credit report annually. Make sure it's accurate and includes only those activities you've authorized. Request your free annual credit report today.
- When your card has expired and you have received your new one, be sure to destroy your old one.
- When using your card at a merchant, be sure it is returned and that you receive a copy of your receipt. When the receipt is no longer needed, be sure to shred or otherwise destroy it.
- Always keep your card in a safe and secure location.
- Keep a list of all credit- and debit-card accounts in case your wallet is lost or stolen.
- Monitor your credit-card, debit-card and ATM-card transactions daily to ensure there are no unauthorized transactions. View all your transactions with ease through First Westroads Bank online or our Mobile Banking app.
Traveling Out of State and Using your Debit Card?
Please contact us with your travel plans before leaving so there are no interruptions with your card service.