First Trust Bank Charlotte

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Commercial Deposit Accounts

Whether you're an established business or a local professional, we have the account that's right for you and your unique business needs.

Checking

Commercial Checking
This account gives you unlimited check writing ability. Through commercial analysis, earnings credits can offset account fees and charges.

Commercial Interest Checking
Available to sole proprietorships, non-profits and government entities, this account gives you unlimited check writing ability and lets you earn interest on deposit balances.

Basic Commercial Checking
This account is perfect for businesses writing a limited number of checks and maintaining lower balances.

Savings

Commercial First Fund
If your business maintains higher balances, the Commercial First Fund may be for you. It offers higher interest rates for higher balances in a money market account with limited check writing capabilities.

Commercial Money Market Account
This account enables your business to earn a competitive interest rate, paid monthly.

Commercial Savings
Build a solid savings base with this practical, no-nonsense savings account. Ideal for any size business, plus you earn a competitive interest rate.

Certificates of Deposit
Take advantage of investment flexibility and competitive rates with a First Trust Bank CD. Choose from any day CDs, from seven days to 36 months.

Jumbo Certificates of Deposit
For those seeking a more substantial investment, Jumbo CDs are available with a minimum investment of $100,000. The CDs are fixed rate with interest compounded daily and are automatically renewable.

If you have questions about any of our accounts, or want a better banking experience, please contact us today.

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Member FDIC

FDIC - Transaction Account - Guarantee Program

First Trust Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under that program, through December 31, 2010, all non interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Increase in Deposit Insurance Coverage

On July 21, 2010, basic FDIC insurance coverage was permanently increased to $250,000 per depositor.

Regulation GG - Unlawful Internet Enforcement Act of 2006

In compliance with "Unlawful Internet Gambling Enforcement Act of 2006" and Regulation GG, this notifies you that restricted transactions are prohibited from being processed through any account with our bank. As of 06/01/10, Reg GG prohibits restricted transactions in your account. Restricted transactions include, but are not limited to checks, debit or credit card transactions, ACH or drafts that are knowingly accepted in connection with unlawful Internet gambling. We may block or reject any restricted transactions or close any accounts we believe is in receipt of such transactions. If this doesn't apply to your business, no action is required. Contact us for further details.