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Business Checking

Flexibility, Affordability and Convenience!

The right checking account can make all the difference for your business’s finances. It should fit your business objectives and the way you do business. First Bank of Alabama offers multiple business checking options for companies large and small.

And, when combined with our Cash Management services, you ensure your business’s finances are streamlined for maximum efficiency.


Business Services.....Money management made simple.

Customer Service

PO Box 797
Talladega, AL 35161

(256) 362-2334

Contact Us Online

Small Business Checking

Business Analysis Checking

Business Interest Checking

Treasury Services

Money Market

Best fit for you if you need...An account that gives you 125 deposit items and 125 debit items each month at no charge with fees that can be waived if minimum monthly balance requirements are met.An account for businesses with high checking activity or cash management needs with an earnings credit allowance that is used to offset monthly fees.An account for Sole Proprietorships and Non-Profits that allows you to earn interest on your checking account balance.

Remote Deposit Capture (RDC)


Merchant Services

Automated Clearing House (ACH)

Access to your account at any time, with tiered Interest Rates that pay higher interest for higher account balances
Monthly Fees

$.35 for each deposited item over 125

$.35 for each debit item over 125

$15 monthly service charge (waived if you meet a minimum monthly balance requirement of either a daily balance of $2000+ or an average daily balance of $4000+ during the monthly statement cycle).

$20 Monthly Maintenance Fee

$.20 fee per debit item

$.30 fee per credit item

$.10 fee per On-Us Deposited Item

$.15 fee per Not-On-Us/Foreign Deposited Item

No charge for the first 50 debit items and 75 deposited items.

$.25 per item for each debit item over 50

$.07 per item for each deposited item over 75

$10 monthly service charge (waived if you meet the minimum monthly balance requirement of either a daily balance of $2000+ or an average daily balance of $4000+ during the monthly statement cycle.

Remote Deposit Capture:

Implementation and training fee $250

Monthly Service Fee $50


Sweeps: (Both to a line and an interest bearing account)

Monthly Fee: $50


Automated Clearing House: 

Origination one time set-up fee $200


$0 with $2500 minimum daily balance, $12 otherwise

Minimum Opening Balance is $2500

Balances $2500+ Interest Tiers:






Monthly E-Statement or Paper Statement with Check Images

$10 fee per withdrawal in excess of 6 per month

 Account Approval Required

*An Earnings Credit Allowance (ECA) is used to offset the Account Analysis Fee and Maintenance Fee listed above. The ECA is calculated by applying the Earnings Credit Percentage (ECP) to the average available account balance during the statement cycle, less 10% reserve. When your fees exceed the ECA, an Analysis Charge will be assessed for the excess amount. The ECP is 0.15%, variable and may change at any time without notice. Other fees and charges not listed above are not eligible for offset through the Earnings Credit. A Deficient Balance Charge shall apply if the account has an average negative balance for the statement cycle. The charge will be determined by applying the current Wall Street Journal Prime Rate plus 3% to the negative average balance amount.

Account Approval Required

Account Approval RequiredAccount Approval Required

Account Approval Required


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