Premier Business Checking

If you have a need for higher transaction volume, but can predict your average number of monthly transactions, our Premier Business Checking account might be the best fit for your business checking needs.

  • Minimum to open: $1,000
  • With a minimum daily balance of $2,500 or an average monthly balance of $5,000 or more - No maintenance fee
  • $15.00 monthly maintenance fee, if applicable
  • 250 combined items paid or deposited per month at no charge
  • Additional items just $.35
  • Monthly imaged statements
  • Complimentary Citrus Gold Personal Checking accounts for principal owners of the business
  • Complimentary Internet Banking and Bill Pay


    • Business Interest Checking

    The First Citrus Bank Business Interest Checking account is available to Sole Proprietorships, Non-Profit Organizations and Governmental units whom would like to earn interest on their business checking account.

  • Minimum to open: $1,000
  • With a minimum daily balance of $2,000 - No maintenance fee
  • $14.00 monthly maintenance fee, if applicable
  • Unlimited items paid or deposited per month with no per item charges
  • Monthly imaged statements
  • Complimentary Internet Banking Bill Pay
    • Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account monthly. The interest rate is subject to change. Balance Information: We will use the daily balance method to calculate the interest on the account, This method applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily collected balance of $2,000 to obtain the disclosed annual percentage yield . No interest will be earned in days which the balance falls below $2,000.


    Commercial Checking

    If your organization routinely receives and writes a large number of checks, then the First Citrus Bank Commercial Checking account could be the perfect fit for your business. This account gives the business customer the ability to offset service charges with an earnings credit on deposited funds, significantly reducing the amount of service fees incurred.
  • Minimum to open: $1,000
  • $14.00 monthly maintenance fee,if applicable
  • $.15 per item paid
  • $.11 per item deposited
  • Monthly imaged statements
  • Complimentary Internet Banking and Online Bill Pay
    • Earnings Credit: An earnings credit will be calculated based upon the average collected balance less the applicable reserve requirement.


    Small Business Checking

    The First Citrus Bank Small Business Checking account is the perfect checking account for businesses with low transaction volume.

  • Minimum to open: $1,000
  • With a minimum daily balance of $1,000 or an average monthly balance of $2,500-No maintenance fee
  • $14.00 monthly maintenance fee, if applicable
  • 100 combined items paid or deposited per month at no charge
  • Additional items just $.25
  • Monthly imaged statements
  • Complimentary Internet Banking and Online Bill Pay


    • Interest on Trust Account (IOTA) Checking

    Designed exclusively for lawyers and law firms, the First Citrus Bank IOTA Checking account is maintained in compliance with the IOTA program ofthe Florida Bar Association, and interest is paid directly to the Florida Bar Association.


    Non-Profit Checking

    If your organization is a qualifying non-profit entity, this account might be the perfect fit for you. Enjoy the freedom of unlimited check writing without monthly fees. Our goal is to help your non-profit organization grow and prosper.
  • Minimum to open: $1,000
  • Unlimited check writing
  • No per item charges
  • Monthly imaged statements
  • Complimentary Internet Banking and Online Bill Pay First Citrus Bank also offers several savings options to help your business grow.
  • Business Money Market
  • Business Savings
  • Business Certificates of Deposit (CD)


    • Business Money Market

    Earn interest and enjoy immediate access to your funds with a tiered First Citrus Bank Business Money Market account. It's flexible and offers a variety of advantages.

  • Minimum to open: $2,500
  • With a minimum daily balance of $2,500 - No maintenance fee
  • $14.00 monthly maintenance fee, if applicable
  • 6 transfers or 6 checks to a third party allowed per statement cycle (or a combination of both), per Federal Regulations
  • Additional withdrawals just $5.00 each
  • Detailed monthly imaged statements
  • Complimentary Internet Banking Interest bearing and compounded for these daily balances:
  • Tier I
  • Tier II
  • Tier III $2,500 - $49,999.99 $50,000 - $99,999.99 $100,000 and up
    • Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account monthly. The interest rate is subject to change.
    Balance Information: We will use the daily balance method to calculate the interest on the account, which applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily collected balance of $2,500 to obtain the disclosed annual percentage yield. No interest will be earned in days which the balance falls below $2,500.


    Business Savings

    Earn interest on business funds at a competitive rate with the First Citrus Bank Business Savings account.

  • Minimum to open: $500
  • With a minimum daily balance of $500 - No maintenance fee
  • $3.00 monthly maintenance fee, if applicable
  • 2 withdrawals per month at no charge
  • Additional withdrawals just $2.00 each
  • Complimentary Internet Banking

    • Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to th e account monthly. The interest rate is subject to change. Balance Information: We will use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily collected balance of $500 to obtain the disclosed annual percentage yield.


    Business Certificates of Deposit (CD)

    For longer term investments with higher yield, First Citrus Bank offers a variety of Certificates of Deposit for your business. Interest rates vary according to term, and interest can be paid monthly, quarterly, semiannually, or at maturityit's your choice. Interest may be reinvested, deposited to another account, or paid by check. CDs are subjectto a penalty for early withdrawal.

  • Minimum to open: $1,000
  • Terms range from three (3) months to sixty (60) months
  • Automatic Certificate renewal available


    • Remote Deposit Capture

    Time and money are precious business resources. Remote Deposit Capture allows you to deposit checks from the convenience of your own desk. First Citrus Bank will supply a desktop check scanner which reads both sides of the checks you are depositing. The dollar amount of each check is automatically read, totaled, and electronically deposited into your business account via a secure internet connection. First Citrus Bank receives, processes and stores your check images online. You can view the images of the scanned checks on your computer. Minimum maintained balance, one time set-up fee of $75.00 and monthly service fee of $75.00 apply.

    Remote Deposit Capture benefits:

  • Extended deposit deadlines
  • Faster funds availability
  • No trip to the bank
  • No deposit tickets
  • Go green", so efficient!


    • Courier Service

    Busy? Allow our courier to pick up your scheduled deposits! Ask your Customer Service Representative about this convenient, timesaving service, Minimum maintained balance and monthly service fee of $50.00 apply.


    ACH Origination

    First Citrus Bank offers ACH as another great tool to help save operating costs while improving cash flow. Transactions are originated electronically through the Automated Clearing House (ACH) network. ACH is cost-efficient and easy to use! Subject to approval.
  • Initiate Direct Deposits for Payroll
  • Collect recurring charges from customers, such as payments, rent and membership fees, electronically


    • Merchant Services

    MasterCard and VISA transactions from your customers are deposited into your business account daily. What could be easier? Ask your personal bankerfor more details today.


    ATM/Debit Card

    Our VISA Debit Card is accepted at millions of locations worldwide that do not accept checks, including restaurants, online retailers and gas stations. Additionally, you can make cash withdrawals conveniently at any ATM machine that bears the Star or Cirrus logo.


    Internet Banking & Bill Pay

  • Access your business and personal accounts-anytime, anywhere
  • Get fast, up-to-date, 'real-time' access to important financial data
  • Obtain all the account information you need, such as current balances, most recent transactions, deposits and loan payment information
  • Transfer funds between First Citrus Bank accounts
  • Access even more power with complimentary Online Bill Pay
  • View imaged statements
  • Determine the appropriate level of access for various individuals within your company
  • Export your statements into your financial software program (Quicken, QuickBooks, Microsoft Money, and Intuit)


    • Cash Management Sweep Account

    First Citrus Bank offers a daily investment "sweep" of your account into Govcash - the most secure investment available. Govcash is a daily repurchase agreement collateralized at 102% by U.S. Treasury Securities. Govcash is not a deposit and is not insured by the Federal Deposit Insurance Corporation or any other insurance organization.


    Safe Deposit Boxes

    Secure your valuables. Safe Deposit Boxes are available in a variety of different sizes at all of our locations.


    Night Depository

    Drop off your deposits after regular bank hours. Depositories are safe, well-lit and convenient. Keys and secure, locked bags are available for clients with higher deposit volume needs.


    Wire Transfers

    Send or receive funds from almost any point in the world by wire transfer. It's safe, affordable, and convenient. Just ask an associate at any of our locations for assistance.


    Business Loans

    As a community bank, First Citrus Bank is committed to the continued growth and prosperity of businesses in Tampa Bay. Allow us to discuss your financing needs, offering expert advice that you can have confidence in. We offer specially designed loans for Corporations, Partnerships, Churches and Community Organizations. Our lending expertise includes:

  • Working Capital
  • Equipment Purchases
  • Accounts Receivable and Inventory Financing
  • Commercial Vehicle Loans
  • Lines of Credit
  • Letters of Credit
  • Acquisition Financing
  • SBA 504 Loan Program
  • Commercial Real Estate Loans
  • Construction Loans


    • At First Citrus Bank we realize that "one size does not fit all" when it comes to your business banking needs. Your business bank account and your personal banker will deliver the service you need ... and much more.

    Attention to detail and our friendly, personalized service will make the difference every time.

    Whether you're cashing a check at the teller window, making a deposit using our Remote Deposit Capture service, or banking after-hours online, we are always happy to see you ... and to be of service!

    Business Banking at First Citrus Bank includes:

  • Combined Checking, Savings & Money Market Statements
  • Complimentary Internet Banking & Bill Pay
  • Imaged Statements
  • Automatic Savings Transfers
  • Bank by Mail
  • Wire Transfers
  • Night Depository
  • Notary Service
  • Safe Deposit Boxes
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