First Cahawba Bank : Business Banking

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "non-interest bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FDIC deposit insurance increased from $100,000 to $250,000 per depositor effective July 2010.
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At First Cahawba we understand the power of choice, which is why we offer business products and services that can be customized to fit your financial goals. We are people you know, with the choices and resources to assist any size business.
All of our business checking accounts feature.

FREE VISA® CheckCard
FREE Online Real-Time Banking
FREE Online Bill Pay*

Concerned about increasing fees at your bank? Put the power of choice to work. Call us for a free analysis of your businesses bank statement.

*All First Cahawba Bank checking accounts are subject to credit approval. First Cahawba Bank internet banking with bill pay is available as long as checking accounts are maintained. All accounts are subject to the terms and conditions of the First Cahawba Bank Customer Agreement. Transfers or withdrawals in excess of the stated limit may incur an excessive withdrawal fee. See individual account disclosures for details. Other financial institutions may charge a fee for using their ATM. If so, First Cahawba Bank will pay a flat rate of $2.50 per transaction for up to 10 monthly transactions. All First Cahawba Bank ATM transactions are free.

FREE BUSINESS

$100 minimum deposit to open
No monthly service charge
No minimum monthly balance
Free first 50 checks written per month, 25¢ per check over 50
Free Online Banking with Bill Pay
Free Business VISA® CheckCard

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BASIC BUSINESS

$100 minimum deposit to open
$10 monthly service charge waived with an average daily collected balance over $5,000
Free first 150 checks written per month, 25¢ per check over 150
Free Online Banking with Bill Pay
Free Business VISA® CheckCard

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BUSINESS ADVANTAGE

$100 minimum deposit to open
$15 monthly service charge waived with an average daily collected balance over $10,000
Free first 250 checks written per month, 25¢ per check over 250
Free Online Banking with Bill Pay
Free Business VISA® CheckCard

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COMMERCIAL

$100 minimum deposit to open
$15 monthly service charge waived with an average daily collected balance over $10,000
Free Online Banking with Bill Pay
Free Business VISA® CheckCard
Analysis of debit entries 15¢; credit entries 25¢; deposited items on us 5¢, not on us 8¢
Analysis fees waived with an average daily collected balance over $25,000 and less than 350 items

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BUSINESS SAVINGS

$100 minimum deposit to open
$5 monthly service charge waived with an average daily collected balance of at least $100
2 free withdrawals per month, $5 service charge for each additional withdrawal over 2
Interest paid quarterly, compounded daily on average daily collected balance

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BUSINESS INTEREST CHECKING
Only available to non-profit, public funds and sole proprietor

$100 minimum deposit to open
$10 monthly service charged waived with an average monthly balance of $2,000
No minimum balance requirements for non-profits
Interest paid monthly on average daily collected balance of at least $2,000, compounded daily on average balance less a 10% reserve requirement
Free Business VISA® CheckCard
Free Online Banking with Bill Pay
Unlimited check writing

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BUSINESS MONEY MARKET

$1,000 minimum deposit to open
$20 monthly service charge waived with an average daily balance of $2,000 or more
Interest paid on tiered rates
Regulatory limit of 6 debit transactions allowed with $5 per additional debit or check/ draft. Limit of 6 does not apply to in-person or ATM withdrawals. Note: if an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.

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