• The future belongs to those who prepare for it today.

  • The manager has his eye on the bottom line

    The leader has his eye on the horizon.

  • There for you through entire banking lifecycle.

Business Accounts

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.

Bill Payment

It’s easier than ever to pay and keep track of your bills with Online Bill Pay. You’ll have total control with fewer steps and more protection. Just choose a bill, enter your information and decide how much and when to pay it. You can pay any company or any person any amount on any date you choose—and we guarantee your payment will arrive on time.

24/7 Access

Manage your account 24/7 online! Once you complete your enrollment into Business Online Banking you will have access to enroll into Bill Pay.

Business Checking

  • Checking Account Features

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  • Fees & Requirements

    • $250
    • $100
    • $250
    • $100
    • $500
    • $15
    • $14
    • $14
    • $14
    • $0
    • $2,500
    • $2,000
    • $0
    • $1,000
    • $0
    • $0
    • $0
    • $.15
    • $0
    • $0
    • $0
    • $0
    • $.15
    • $0
    • $0
    • $.35
    • $0
    • $0
    • $.25
    • $0
LESS DETAILS

Premier Business Checking

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

  • Minimum to open $250
  • With a minimum daily balance of $2,500 or an average statement cycle balance of $5,000 or more - No maintenance fee
  • $15.00 maintenance fee per statement cycle, if applicable
  • 250 combined items paid or deposited per statement cycle at no charge
  • Additional items $.35
  • Imaged statements
  • Complimentary Citrus Gold Personal Checking accounts for principal owners of the business
  • Complimentary Internet Banking and Online 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 $100
  • With a minimum daily balance of $2,000 - No maintenance fee
  • $14.00 maintenance fee per statement cycle, if applicable
  • Unlimited items paid or deposited per statement cycle with no per item charges
  • Imaged statements
  • Complimentary Internet Banking and Online 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 each statement cycle. The interest rate is subject to change.

Balance Information: Daily balance method will be used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The client must maintain a minimum daily balance of $2,000 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle on days in which the balance falls below $2,000. Additional charges may reduce APY earnings.

Interest on Trust Account (IOTA)

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

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 the ability to offset service charges with an earnings credit on deposited funds, significantly reducing the amount of fees incurred.

  • Minimum to open $250
  • $14.00 maintenance fee per statement cycle
  • $.15 per item paid
  • $.15 per item deposited
  • 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 $100
  • With a minimum daily balance of $1,000 or an average statement cycle balance of $2,500 - No maintenance fee
  • $14.00 maintenance fee per statement cycle, if applicable
  • 100 combined items paid or deposited per statement cycle at no charge
  • Additional items $.25
  • Imaged statements
  • Complimentary Internet Banking and
  • Online Bill Pay

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 maintenance fees. Our goal is to help your non-profit organization grow and prosper.

  • Minimum to open $500
  • Unlimited check writing
  • No per item charges
  • Imaged statements
  • Complimentary Internet Banking and
  • Online Bill Pay Checking

BUSINESS SAVINGS & CD

  • Savings Account Features

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  • Fees & Requirements

    • $2,500
    • $500
    • $1,000
    • $14
    • $3
    • $0
    • $2,500
    • $500
    • $0
    • $5
    • $2
    • $0
LESS DETAILS

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 maintenance fee per statement cycle, if applicable
  • 6 covered withdrawals allowed during a statement cycle, per Federal Regulations
  • Additional withdrawals $5.00 each
  • Imaged statements
  • Complimentary Internet Banking

Below are the interest rate tiers based on daily balances:

Tier I $2,500 - $49,999.99

Tier II $50,000 - $99,999.99

Tier III $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 each statement cycle. The interest rate is subject to change.

Daily Balance: Daily balance method will be used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The client must maintain a minimum daily balance of $2,500 to obtain disclosed annual percentage yield. No interest will be earned during the statement cycle on days in which the balance falls below $2,500. Additional charges may reduce APY earnings.

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 maintenance fee per statement cycle, if applicable
  • 2 withdrawals per statement cycle at no charge
  • Additional withdrawals $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 the account each statement cycle. The interest rate is subject to change.

Daily Balance: Daily balance method will be used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The client must maintain a minimum daily balance of $500 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle on days in which the balance falls below $500. Additional charges may reduce APY earnings.

Business Certificate of Deposits (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 on anniversary, quarterly on anniversary, semiannually on anniversary, or at maturity - it’s your choice. Interest may be reinvested, deposited to another account, or paid by check. CDs are subject to a penalty for early withdrawal.

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

Interest Rates

Current Deposit Rates1

Effective 9/12/2014


Minimum to Earn Annual Percentage Yield NEW $ INT RATE NEW $ Annual Percentage Yield %3
MONEY MARKET
BUSINESS TIERS
TIER 1 $2,500.00-$49,999.99 $2,500 0.05 0.05
TIER 2 $50,000.00-$99,999.99 $50,000 0.20 0.20
TIER 3 $100,000.00 & UP $100,000 0.35 0.35
OTHER
BUSINESS INTEREST CHECKING   0.10 0.10

1 Fees May Reduce Earnings. Rates are subject to change at any time.

2 Penalty may be imposed for early withdrawal

3 Annual Percentage Yield

*More information on specific account requirements can be viewed by clicking on that account name above.

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First Citrus Bank Brandon

1314 Oakfield Drive | Brandon, FL 33511

Customer Service

813-864-0929

Loans

813-269-5414

Fax

813-864-0937

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm

First Citrus Bank Carrollwood

10824 N. Dale Mabry Hwy | Tampa, FL 33618

Customer Service

813-926-2848

Loans

813-269-5414

Fax

813-269-5416

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm

First Citrus Bank Citrus Park

13850 Sheldon Road | Tampa, FL 33626

Customer Service

813-926-5588

Loans

813-269-5414

Fax

813-864-1250

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm

First Citrus Bank Kennedy

4302 West Kennedy Blvd. | Tampa, FL 33609

Customer Service

813-422-6625

Loans

813-269-5414

Fax

813-422-6650

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm

First Citrus Bank South Tampa

4240 Henderson Boulevard | Tampa, FL 33629

Customer Service

813-287-0992

Loans

813-269-5414

Fax

813-287-0322

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm