• Time used for banking can now be used for client-billable functions, increasing your company billings.
• Less time required for banking functions may translate to lower staff requirements and a savings in employee expense.
• With improved cash flow, you can negotiate vendor discounts for early pay of bills.

No two businesses have the same needs. That's why DNB First offers three unique checking products. No matter what your balance or your level of transactions, one of these accounts will satisfy your requirements.

Business Checking

Business Checking is ideal for growing businesses if you desire a simple checking account with basic services. DNB First offers next day funds availability.

Benefits of Business Checking:

• No minimum balance requirement or monthly service charge.
• Monthly per-item allowances apply regardless of account balance.
  • A total of 200 checks paid or foreign checks deposited per statement cycle*.
  • Deposit unlimited checks drawn on DNB First.
  • Make unlimited deposits.
• Free Online banking and Free Bill Pay.
• Imaged statements.

      *A $0.15 charge applies for each item over 200

Business Package Checking

This account was created for those businesses with a higher balance and a higher level of activity. Keep $5000 in your business account to avoid $20 monthly maintenance fee and your business can enjoy the following benefits:

• A total of 325 checks paid or deposit items allowed per statement cycle ($0.25 charge per item above limit).
  
  
• No annual fee Business Visa® Debit Card, with Visa Rewards
  
  
• $1.00 Foreign ATM fee for each Business Visa Debit Card usage at non-DNB First ATM machines.
  
  
• ¼% discount on unsecured or auto loans with auto pay.
  
  
• ½% discount on secured Home Equity Loans with auto pay.
  
  
• Free PhoneAccessBanking.
  
  
• No charge for cashier’s checks, money orders, notary or single signature traveler’s checks.
  
  
• Free Bill Pay for business owner’s personal Detail Checking Account.
  
  
• E-Business Banking at $5 per month. Free e-Banking (personal account).NSF fees are $32 per occurrence.
  
  
• Free initial consultation for estate and investment planning.
  At DNB First, we give next day availability to pay checks.

Commercial Checking

Designed exclusively for companies with a higher level of account activity. Commercial Checking is perfectly suited for companies that maintain high account balances and have high levels of activity. An earnings credit, based on your average available balance for the month may offset all your activity charges.

Earnings Credit
The earnings credit rate changes monthly based on the 90-day Treasury Bill Rate.

*The service charge for account analysis will be debited from your account automatically at the end of each month.

In addition, your business can have multiple commercial checking accounts that can be combined for analysis charge purposes, thus reducing or eliminating any analysis fees.

Check Imaging

The Check Image Processing will make life easier by replacing stacks of checks with a legally acceptable check image document. Each month you will receive an account statement with laser printed "images" of your checks. Your checks will be printed in numerical order, eliminating the need to sort and file them before balancing your account. The posted date, check number and amount will also be printed below each image for easy reference.

If you need an image of the back of your check for proof of payment, it can be furnished immediately by fax or mail. The Bank will keep permanent records of the front and back of your checks, which eliminates your employee's time retrieving and searching through documents.