BUSINESS CHECKING

From a basic business checking account for those getting started, to our Commercial Analysis account for high transaction volume corporations, we have a checking account to fit your business needs!

Basic Checking

Small Business Checking

As your business grows, so does your transaction volume. Designed for those businesses that do not have many items during a month and maintain a lower monthly balance.

  •  $200 minimum deposit to open an account
  • $15 monthly service charge if the daily balance falls below $1,500 during the monthly statement cycle
  •  Limit of 250 paper items per month to avoid additional charges
  • $0.55 per item in excess of 250 per statement cycle
  • 24-Hour telephone banking
  • Online Banking/Bill Pay
  • ACH Origination Available; additional fees apply
  • Choose from monthly eStatements or paper statements
  • Free ATM access at any AmeriFirst Bank ATM and Publix (charges may be imposed from other ATM locations)
  • Business Credit Card available; subject to credit approval
  • 1 Night Deposit Bag upon request
  • Purchasing Card upon approval
  • Remote Deposit Capture upon approval

Business Premier Checking

As your business grows, so does your transaction volume.  This account is designed for those customers that have higher balances and transaction volume.

  • $200 minimum deposit to open an account
  • $25 monthly service charge if daily balance falls below $15,000 during the monthly statement cycle
  • Limit of 500 paper items per month to avoid additional charges
  • $0.55 per item in excess of 500 per monthly statement cycle
  • 24-Hour telephone banking
  • Online Banking/Bill Pay 
  • ACH Origination Available; additional fees apply
  • Choose from monthly eStatements or paper statements
  • MasterCard debit card upon approval
  • Free ATM access at any AmeriFirst Bank ATM and Publix (charges may be imposed from other ATM locations)
  • Business Credit Card available; subject to credit approval
  • 1 Night Deposit Bag upon request
  • Purchasing Card upon approval
  • Remote Deposit Capture upon approval

Let us help by calling 1.800.298.1763 or visiting one of our five locations.

Interest Bearing Checking

Business Interest Checking Account

*Business Interest Checking is available to sole proprietorships, non-profits, or certain governmental entities as long as they meet eligibility requirements.

An interest-bearing checking account that provides full function capabilities and avoids a monthly service charge if the balance remains above the minimum daily balance amount.

  • $1,500 minimum deposit to open an account
  • $15.00 monthly service charge if daily balance falls below $1,500
  • Interest paid on daily balance
  • Unlimited check writing/withdrawals
  • Online Banking/Bill Pay
  • MasterCard debit card upon approval
  • 24-Hour telephone banking
  • Mobile banking access
  • Choose from monthly eStatements or paper statements
  • MasterCard debit card upon approval
  • Free ATM access at any AmeriFirst Bank ATM and Publix (charges may be imposed from other ATM locations)
Interest Tier Rate
$0.01 and over Tier Rate
*Subject to certain eligibility requirements for NOW Accounts: Individuals | Non-Profit Organizations | Governmental Units | Funds held by a Fiduciary (For-profit corporations and partnerships are ineligible)

Money Market Account

An interest-bearing checking account that requires a higher minimum deposit to open and a daily balance requirement.  The interest rate is a competitive market rate that is subject to change at any time and interest is paid based on the daily balance in the account.

  • $2,500 minimum deposit to open an account
  • $15.00 monthly service charge if daily balance falls below $2,500 at any time during the statement cycle
  • Interest paid on daily balance; if balance falls below $2,500, interest will be paid at the NOW Account rate
  • Online Banking/Bill Pay
  • 24-Hour telephone banking
  • Mobile banking access
  • Choose from monthly eStatements or paper statements
  • During any calendar month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, check, draft, debit card or similar order to a third party.  A fee of $10.00 will be imposed for each subsequent debit.
Interest Tier Rate
$ 0.01 – $2,499 Tier VI Rate
$25,000 – $9,999 Tier VI Rate
$10,000 – $49,999 Tier V Rate
$50,000 – $99,999 Tier III Rate
$100,000 – $249,999 Tier II Rate
$250,000 and over Tier I Rate

Premium Money Market Account

An interest-bearing checking account that requires a higher minimum deposit to open and a daily balance requirement.  The interest rate is a competitive market rate that is subject to change at any time and interest is paid based on the daily balance in the account.

  • $50,000 minimum deposit to open an account
  • $15.00 monthly service charge if daily balance falls below $50,000 at any time during the statement cycle
  • Interest paid on daily balance; if balance falls below $50,000, interest will be paid at tiered rate
  • Online Banking/Bill Pay
  • 24-Hour telephone banking
  • Mobile banking access
  • Choose from monthly eStatements or paper statements
  • During any calendar month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, check, draft, debit card or similar order to a third party.  A fee of $10.00 will be imposed for each subsequent debit.
Interest Tier Rate APY
$ $50,000 – $99,999 .50% .50%
$100,000 – $249,999 .75% .75%
$250,000 – $999,999 1.00% 1.00%
$1,000,000 and over 1.25% 1.26%

* If balance falls below $50,000 – incurs a $15.00 monthly service change.

Commercial Analysis Account

This account is designed for those customers that have higher balances and transaction volume. And want the added benefit for an earnings credit* allowance to reduce or avoid monthly service fees.

  • $200 minimum deposit to open an account
  • $25 monthly maintenance fee
  • 24-Hour telephone banking
  • Online Banking/Bill Pay 
Monthly Service Charges
Charge Per On-Us Item Deposited $0.04
Charge Per Debit Item Paid $0.08
Charge Per Non-On-Us Item Deposited $0.15
Charge Per Credit $0.25

* The Earnings Credit rate is based upon the average net available balance and may offset certain fees and charges.  The Earnings Credit rate is determined by the bank and may change at Bank’s discretion.

Let us help by calling 1.800.298.1763 or visiting one of our five locations.