Civic Checking

Civic and Municipal Checking Details

First Trust is the bank of choice for civic and other non-profit groups of all sizes because of the value of our checking products as well as the support our First Trust bankers provide. Choose basic Civic Checking or Civic Checking with Interest when transactional activity is minimal. For complex municipal entities work with our business bankers to customize a corporate civic checking package to include cash management features, a target balance to reduce or eliminate fees, and automated sweep account options.

No monthly fee with a minimum average collected balance of $400.
No charge for up to 20 checks and debit items per month.
25 cents for each item in excess of 20.
No charge for up to 40 items deposited each month.
12 cents for each item in excess of 40.
Minimum deposit of $100 to open.
$4 monthly fee if minimum "no-fee checking" status not maintained.
Free Online Banking.

Civic Checking with Interest

The same account features as Civic Checking, but this account earns interest. Interest is paid monthly. Call a First Trust banker for details and current rates.

No monthly fee with a minimum average collected balance of $1000.
$7.50 monthly fee if minimum "no-fee checking" status not maintained.

Customized Civic Checking

A First Trust banker will review your transactional and account management needs and help you construct a business package that will include checking as well as the cash management and corporate sweep features your organization requires.