First Bank of Charleston

Small Business Lending Fund
In July 2011, First Bank of Charleston began participation in the Small Business Lending Fund (SBLF).

The SBLF is a program of the U.S. Treasury that was made available only to community banks. It is designed to boost lending to small businesses by providing participating banks with capital and liquidity. In particular, the SBLF program targets commercial, industrial, owner-occupied real estate, and agricultural-based lending to qualifying small businesses, which include businesses with less than $50 million in annual revenue, and promotes outreach to women-owned, veteran-owned and minority-owned businesses.

First Bank of Charleston participates in SBLF because it aligns with our community bank model, in support of reaching out to individuals and businesses, lending, and expanding our footprint. First Bank was founded on a strategy of lending money and extending credit especially to small businesses who understand the value of relationships.

As a Charleston community bank, we are transparent about our intentions and have a track record for doing what we say we will do. As always, we will continue to help businesses grow and remain committed to the communities we serve. Stop by and visit with us about your small business needs.

Online Banking

Operating your business takes the majority of your energy and time. You want your banker to know your needs and to be there when you need direction. We are all part of the same community, so we want you to succeed for the good of your interests and the community. Our dedication to service will bring confidence and comfort in regard to everyday banking needs. Visit us today to see how we are " shaking up service" in the Charleston banking market.

Small Business Loans - Merchant Services - Business Credit Cards
Free Business Debit Cards - Construction Loan - Lines of Credit
Letter of Credit - Wire Transfers

Small Business Checking

Non-Interest Bearing

Opening Deposit $500

Unlimited Check Writing

$7.00 service charge if daily balance falls below $1,000

$.25 per transaction greater than 200 per month

Free Business Debit Card

Free Check Images

Business Analysis

An Account designed for high activity levels

Opening deposit of $1,000

Zero maintained balance

Earnings credit offset charges

0 Charge per deposit

$.10 charge per checks paid

$.10 charge per deposited item

$.10 charge coin per roll

$.25 charge per currency wrap of $1,000

Business Money Market

Earn Premium Interest rates and keep your funds liquid and secure

Opening Deposit of $5,000

$7.00 fee if daily minimum balance falls below $5,000

Six withdrawals or transfers Free each month. $2.00 fee for each additional withdrawal or transfer

Interest paid based on the following tiers

$1,000-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000 and above

Subject to Regulation D

IOLTA ACCOUNTS
ALL NON-PROFIT ACCOUNT FEES WILL BE WAIVED

CERTIFICATES OF DEPOSIT AND IRA'S
Minimum balance of $1,000 required for Certificates of Deposit or IRA's.
Contact us for current rates

Terms:

3 month

6 month

7 month

18 month

30 month

1,2,3,4,5 years

Specials

Interest paid quarterly

Compounded quarterly

Early withdrawals are subject to penalties

Important Information About Procedures For Opening A New Account
To help the government to fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Contact us today or visit our office for more information.
304-340-3000
304-340-3003 fax

304-340-3030 First Response
Banking Balances and Transfers by Telephone

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