First State Bank New Jersey

Commercial Services

Services and service that puts your business first at First State Bank.

As a local, independent bank, First State Bank cares about you and the success of your business. Because we live and work here, we have a first-hand knowledge of local business conditions and local business needs. In fact, our comprehensive range of commercial products and services has been designed to help you meet the financial challenges and opportunities of our shared market area.

But we also offer a lot more. Whether yours is a small, privately owned company, a larger corporation, or a neighborhood store, you�ll find friendly, personal service, local lending decisions, competitive pricing, flexible hours, and a strong commitment to local business and economic development.

Business Free Checking

Totally free for the first year. Enjoy up to 300 transactions each month with no minimum
balance requirements, and next day availability of funds. Includes free initial order of basic checks.

Business NOW Checking

For non-profits and sole proprietorships. Enjoy unlimited check writing, no monthly fees, and next day availability of funds. $500 average daily balance required to earn interest. Includes free initial order of basic checks.

Business Money Market Account

Earn a competitive rate of interest on all balances of $500 or more, with higher premium rates of interest on all balances of $10,000 to $24,999, and increasingly higher rates on balances of $25,000 to $99,999 and $100,000 or more.
Make up to six transactions each statement cycle, including up to three third-party checks.
No monthly service charge when you maintain an average daily balance of just $1,000 or more. (If balance falls below that amount, a $10 service charge will apply for that statement cycle.)

Checking Cash Reserve

Never worry again about writing a check against insufficient funds. First State Cash Reserve automatically covers you in the event of an overdraft. And there�s never any interest to pay until the loan is activated. (Subject to credit approval.)

Business Statement Savings

No monthly maintenance fees.
Easy-to-read monthly statement.
$500 average daily balance required to earn interest. (If balance falls below that amount, a $5 service charge will apply for that statement cycle.)

Commercial Loans

Lines of Credit
Term Loans
Commercial Mortgages
Construction Loans
Commercial Equity Credit Lines
SBA Loans

Certificates of Deposit

Open your First State CD with as little as $500.
Interest rate guaranteed for the entire term of your account.
Choice of terms to suit your financial needs, ranging from 30 days to 60 months.
Special-rate Jumbo CD�s available for deposits of $100,000 or more.
Automatic renewal at prevailing First State rates, with a 10-calendar day grace period.
Deposits must remain until maturity or a penalty for early withdrawal may apply.

Other Services

Internet Banking
- Online Bill Pay
Cash Management
- Merchant Services
Escrow Management Accounts

Equal Housing Lender Equal Opportunity Lender - Member FDIC
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