The First Liberty National Bank offers three types of Commercial DDA accounts:

• Small Business Accounts
• Commercial Accounts with Account Analysis
• Not-For-Profit Accounts

The Minimum Daily Balance will be used in determining the fees assessed for all types of Commercial Accounts.

Small Business Accounts: Small Business Accounts are defined as accounts with less than 50 items per statement cycle or less than 100 deposited items per month. These accounts will be charged a monthly fee based on a tiered balance structure:

Commercial Accounts with Account Analysis: For existing accounts which may qualify for Commercial Accounts with Account Analysis, the account will be monitored for three months before charging an analysis fee. The customer will be notified that the account is being monitored and will receive a copy of the analysis. The customer will be contacted by a Bank Representative to explain the analysis and to answer any questions.

For new accounts, the New Account Representative will explain the Bank's account analysis and provide a sample analysis. The customer will receive the analysis for two cycle periods before being charged.

Commercial Analysis Fees:

Not-For-Profit Accounts: Proper documentation must be provided to qualify as a Not-For-Profit Account. No maintenance fee will be charged on the account; however, based on the accounts activity, the Bank retains the right to require account analysis.

Commercial NOW Accounts

Sole Proprietorships and some Not-For-Profit Accounts are the only commercial accounts which qualify for a Now Account.

These accounts will be charged a monthly fee based on a tiered balance structure:

FLNB Overdraft Loan Account

Line of Credit for your protection from overdrafts. If the balance in your checking account is not sufficient to pay a check, money will be transferred from your loan, up to your limit, to prevent an overdraft and overdraft charge.
[Subject to Credit Approval]

FLNB Overdraft Protection

Automatic Transfer from a related deposit account.
If the balance in your checking account is not sufficient to pay a check, money can be transferred from another deposit account to prevent an overdraft and the related insufficient service charge. The cost of this service is $2.00 per transfer. Funds moving from a Savings Account is limited to six (6) transfers per month. [Not available for corporations and partnerships]

Overdraft Privilege Policy
- Read the complete Overdraft Protection Policy here

Money Market Accounts

Minimum Balance to Open $100.00

You may make six (6) transfers from your account each month, but only three (3) may be by check, draft, debit card or similar order made to third parties.

If you need further information on our Commercial Accounts, please call our New Accounts Representatives, 936-336-6471 for Liberty Financial Center or 936-257-9700 for Dayton Financial Center or email us.

FLNB Investment Services - Securities and insurance products provided by PrimeVest Financial Services, Inc. Primevest Financial Services, Inc. is an independent, registered broker-dealer. Member SIPC / FINRA. Securities and insurance products offered by PrimeVest: * Not FDIC insured * May go down in value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

*Insurance products or annuities are offered through FLNB Insurance Agency, Inc. The insurance product or annuity is not a deposit or other obligation of, or guarantee by, First Liberty National Bank or FLNB Insurance Agency, Inc. The insurance product or annuity is not insured by the Federal Deposit Insurance Corporation (FDIC), any other agency of the United States, First Liberty National Bank, or FLNB Insurance Agency, Inc. In the case of an insurance product or annuity that involves an investment risk, there is investment risk associated with the product, including the possible loss of value.