As a business owner, you already know how precious time can be. Our banking products are designed to be simple, straight-forward and easy to use, enabling you to spend less time banking and more time running your business!

Why settle when you have choices? Community First offers a variety of Business Checking Accounts to meet the needs of your business.

Business Checking Accounts

• No monthly fee
• No minimum balance required
• Free Visa^® Business Check Card (with CURewards™ Program)
• Free eStatements (online statements)
• Free Info 24 (telephone teller)
• Surcharge-free ATM Network
• Overdraft Protection

Business Checking (designed for high volume businesses)

• Also offers up to 150 free transactions monthly

Community Checking (specially created for non-profit and civic organizations)

• Unlimited free transactions monthly

Business Interest Checking (enables you to earn interest monthly on your balances)

• Includes up to 100 free transactions monthly

As a not-for-profit organization, we’re able to provide the banking services you require at minimal cost to you. Our business checking accounts are built to meet the real-world demands of most businesses – banking tailored to fit you and your financial needs.

	Business Checking	Community Checking	Business Interest Checking
Specially Created for...	High Volume Businesses	Non-Profit and Civic Organizations	Earning Interest Monthly on your Balances
Monthly Maintenance fee	none	none	none
Minimum Balance Requirement	none	none	none
Fee Transactions*	150 per month / $0.25 per item over allowance	unlimited	100 per month / $0.25 per item over allowance
Membership Share (required to open and maintain an account)	$5.00	$5.00	$5.00
Membership fee (one time fee)	$10.00	$10.00	$10.00
Free Visa Business Check Card
Free eBranch (online banking)
Online Bill Pay	FREE	FREE	FREE
* Transactions include checks written and deposited items.

Save money for that special purchase or earn interest on idle cash balances.

• No monthly fee (if this is your only business account, a $50 balance is required to avoid a monthly maintenance fee)
• Earn monthly dividends
• Free Business ATM card
• Surcharge-free ATM Network
• Free eBranch (online banking)
• Free eStatements (online statements)
• Free Info 24 (telephone teller)

Earn higher interest rates on account balances with the flexibility to access your money instantly.

• No monthly fee
• Low minimum account balance requirements
• Up to 6 withdrawals per month
• Free eBranch (online banking)
• Free eStatements (online statements)
• Free Info 24 (telephone teller)

Build your cash reserves by earning a higher interest rate. You choose the term, so you can balance the need to access your money with the desire to increase your interest earnings safely and securely.

• $500 minimum deposit to open
• Flexible terms (from 90 days to 60 months)
• Free eBranch (online banking)
• Free eStatements (online statements)
• Free Info 24 (telephone teller)

Click here for current rates and terms.

Paying your bills just got easier. Now you can organize and pay your bills online for one low monthly fee. Online Bill Pay is fast, reliable and accessible – you can pay your bills from anywhere in the world! Plus, there’s no special software or equipment required other than your computer and internet access.

• Pay and receive your bills online
• Pay all your bills from one website
• Payment Guarantee protects against fraud and late payments
• Sophisticated technology to protect your information
• Set up recurring automatic payments to pay repeating bills, such as a mortgage or car payment
• Schedule payments ahead of due dates, or make many payments the same day or next day
• The useful calendar tool can determine the earliest available payment date
• View pending and recent payments and up to 6 months of payment history
• Use our convenient Bill Reminder feature to notify you when a payment needs to be scheduled
• Receive eBills – electronic versions of your bills that contain the same information as your paper bills

Accepting credit and debit card processing is essential for doing business today – it offers convenience for your customers and is efficient for you. It can help increase your sales and improve your cash flow.

Help Your Business

• Offer customers a greater range of choices in making payments
• Improve cash flow
• Simplify daily and monthly deposit reconciliation processes
• Combined reporting and statements for each payment type
• Risk management programs to minimize business owner exposure to fraud losses
• Consolidate and automate electronic deposits to your accounts
• Flexible product and pricing options to best meet specific merchant needs
• Minimize exposure to fraud losses

Help Your Customers

• Choose from multiple payment methods at the point-of-sale
• Buy what they need without being limited by the amount of cash they have on hand
• Take comfort in knowing payments are fast, reliable and secure

Remote Deposit Capture supports virtually any commercial entity that accepts checks as a form of payment. This Web-based electronic payment processing system converts paper-based checks into electronic transactions, processes them through the ACH or Check 21 image exchange networks, automates returned check re-presentment, generates real-time reporting and supports proactive risk management. This innovative solution also supports one-time payments by accepting check and bank account information over the Internet and processing the transactions in a totally secure environment.

It combines the advantages of ACH processing with the convenience of the Internet—enabling you to deposit customer checks, pay bills, concentrate cash from multiple accounts and make tax payments all directly from your business office. This makes managing your business finances easier and convenient—saving you time and money.

Plus you can offer your clients the convenience of a pre-authorized payment program, so you can automatically debit their account on a recurring basis and improve cash flow.

For more information on Remote Deposit Capture, fill out the form below:

Through our partnership with PayChex ™, you can simplify your payroll process. PayChex ™ offers businesses the comprehensive services of a national payroll provider, backed by dedicated, local Payroll Specialists. This rare combination helps you easily manager employee information and simplify your entire payroll process from processing to payday.

When you sign up for PayChex™ payroll, you’ll receive a complete payroll package each pay period. Inside you’ll find processed payroll checks with essential management reports and supplies, including:

• Employee earnings statements
• Payroll journals
• Month-to-date department summaries
• A notice of cash needed to cover payroll expenses and tax liabilities
• Timely and accurate notifications of tax liabilities and deposits
• Payroll worksheets to record your next payroll

For more information on PayChex, fill out the form below:

• Offers special incentives and discounts for your employees to become Community First members
• No cost to you or your company
• Community First at Work provides financial benefits for you and your employees
• Increases employee satisfaction without decreasing your bottom line