Commercial Services

Small Business CheckingBusiness Checking

Low volume accounts less than 200 transactions per month.

  • $100 minimum opening deposit

  • $10 monthly maintenance fee

  • $.20 for each item over 200 (includes debits, credits, and deposit items)

  • $4.50 per charge back item

  • Earnings credit allowed based on average collected balance

Earnings credit cannot exceed service fee assessed.

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Commercial Checking Account*

High volume account greater than 200 transactions per month.

  • $100 minimum opening deposit
  • $10 monthly maintenance fee
  • $.15 per debit item 
  • $.15 per credit item
  • $.10 per item on deposit
  • $4.50 per charge back item
  • Earnings credit allowed based on average collected balance

Earnings credit cannot exceed service fee assessed.

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Interest on Lawyer Trust Accounts (IOLTA)

First National Bank of Louisiana provides a free interest-bearing, unlimited check writing account.  Interest earned on the account is remitted quarterly to the Louisiana Bar Foundation.

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Cash Management (Automated Service)

Businesses can enjoy the convenience of paying bills using the automated clearing house rather than by writing checks. Our Cash Management service allows you to bill your customers directly from their checking account on a regular basis, rather than waiting for a check. Businesses with payrolls can offer an additional benefit to their employees by allowing them to receive their pay directly into their checking or savings account, saving both you and the employee time and money!  The service also allows the business to perform wire transfers.  Call or come by your nearest FNB location and speak to a Customer Service Representative today!

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Commercial Loan Services

First National Bank offers a full array of loan services for individuals, professionals, and businesses, large or small.  Our highly experienced staff will work on developing the best financial plan suited to meet the credit, investment, cash management and other banking needs for every customer.

At First National Bank, our officers have all the products and tools to meet your needs.  We work hard to understand your business and look for the right solutions for those unique situations that require special attention.

We offer line of credit products including accounts receivable financing for working capital shortages, fixed asset purchases for equipment, acquisitions, expansions, and owner occupied buildings or commercial building construction.  We would enjoy having the opportunity to help you grow your business!

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Cash Sweep Automated Investment Services

First National Bank offers a service which provides daily automated investment of any excess collected funds above the predetermined target balance (which you will set) in your commercial account.  The convenience of the automated process will allow you to fully invest your excess balances without having to manually move your funds from one account to another.  With the automated sweep account, you will enjoy daily access to your entire account balance while earning competitive rates of return.  These yields will be reflected in your monthly account statements.  Your excess funds will be invested in professionally managed money market mutual funds and give you the advantage of diversification that these funds seek to offer.

An investment in the money market mutual funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.  Although the funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the funds.  Please read prospectus carefully before investing.  Money market mutual funds are distributed by SEI Investment Distribution, Co., One Freedom Valley Drive, Oaks, PA 19456.  SEI Investments Distribution, Co is not affiliated with First National Bank of Louisiana.

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CD-ROM Statement Delivery

First National Bank is proud to present our new Commercial CD-ROM Statement Delivery.  We offer a CD-ROM for $25 per month/statement period for up to 3 accounts per CD-ROM.  For each additional account over the first 3, a monthly/statement period fee of $5.00 per account will be charged.  Each CD-ROM will include your account statement, all items for that statement and complete deposit sets credited to your account within the statement period.  First National Bank also offers an annual CD-ROM for $100.  This CD-ROM would include all statements for the year, along with the items and deposit sets.

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