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Identity Theft
If you think one of your AmeriFirst accounts or services has been compromised, contact us immediately by calling 1-800-298-1763 and ask for the Identity Theft Department. 
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In This Section

Overdraft Protection

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AmeriFirst offers a plan to end checking account overdraft complications and charges. Overdraft protection means that we’ve approved, in advance, a personal loan to balance your account should you become overdrawn. With this plan, you can avoid costly overdraft charges and embarrassing delays.
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Business Accounts

Checking

Small Business Checking
This account is designed for those businesses that do not have many items during a month and avoids a monthly service charge with a low daily balance.

  • Minimum to open is $100
  • Daily balance of:
    • $0.00 - $999       $15.00 monthly service charge               
    • $1,000-$2,499    $10.00 monthly service
    • $2,500-over         No service charge
  • Limit of 100 paper items per month to avoid additional charges; $0.55 per item in excess of 100
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay
Commercial Checking
Business account that requires a higher daily balance limit, but allows more items per month to avoid a per item fee.

  • Minimum to open is $100
  • Daily balance of: 
    • $0.00 - $4,999       $25.00 monthly service charge
    • $5,000-$24,999     $20.00 monthly service charge
    • $25,000 – over       No service charge
  • Limit of 500 paper items per month to avoid additional charges; $0.55 per item in excess of 500
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay
  • Free locking deposit bag at account opening
Commercial NOW Account
Interest bearing checking account with a low minimum deposit to open and a daily balance requirement, you will be paid interest and avoid a monthly service charge.

  • $100.00 minimum deposit to open
  • Daily balance of: 
    •  $0.00 - $999         $9 monthly service charge
    • $1,000 – over        No service charge
  • Interest paid on 100% of the daily balance
  • Limit of 200 checks per month to avoid additional charges; $0.12 per item in excess of 200
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay
** Subject to eligibility

Money Market Account

Interest bearing checking account that requires a higher minimum deposit to open and a daily balance requirement that pays interest at tiered rates based on the balance in the account and avoids monthly service charge if balance remains above the minimum daily balance limit.

  • $2,500 minimum deposit to open
  • Daily balance of: 
    • $0.00 - $999             $9 monthly service charge
    • $1,000 – Over          No service charge
  • Interest paid on tiered rates based on balance
  • Six free preauthorized withdrawals per month - $7.00 charge for each excess transaction
  • Debit/ATM card upon approval
  • Free ATM access (charges may be imposed from other institutions)
  • Monthly statements
  • Free online and telephone banking access
  • Free online bill pay
  • Subject to transaction limitations

 

Commercial Analysis Account
Designed for those customers who have more than 500 paper items per month.


           $100.00 minimum deposit to open
 

  • Monthly Service Charges: 
  • Maintenance Fee        $15.00
  • Per Item Deposited    $   0.04 
  • Per Paid Item              $   0.04
  • Per Credit                   $   0.04
  • Earnings credit rate based upon the average net available balance offers an offset to fees.  The earnings credit rate is determined by the Bank and is subject to chage at the Bank's discretion.