Commercial Products & Services

Business Checking
We offer three types of checking accounts to better service your needs:

FirstCity Small Business Checking
This business account is designed to provide services for small businesses. You may process up to 300 items; including deposits and checks paid, without a monthly service charge when you maintain either a minimum balance of $1,000.00 or an average balance of $5,000.00.

FirstCity Business Checking
This business account is designed to provide services for medium sized businesses. You may process up to 500 items; including deposits and checks paid, without a monthly service charge when you maintain either a minimum balance of $3,000.00 or an average balance of $7,500.00.

FirstCity Commercial Checking
This business account is perfect for companies with multiple accounts or a high volume of monthly transactions that require
special services. A competitive earnings credit rate on your collected balances helps to offset charges, including all cash management services.

Business Savings
What a great way to save with our business savings account
 
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Business Money Market Accounts
As you deposit more you can earn more with tiered interest rates.

  • 24 hour access to your cash balances with on-line banking

Commercial Credit

Lines of Credit
The FirstCity Bank of Commerce Line of Credit provides financing for your company’s short term and seasonal needs. The line provides immediate access to cash to allow you to take trade discounts, carry receivables, purchase inventory or for seasonal growth.

  • Interest rates that are generally tied to Prime Maturities of 12 months or greater
  • Rates and fees that are based on the customer’s overall banking relationship with FirstCity Bank of Commerce

Term Loans
FirstCity Bank of Commerce provides term loans to meet longer term financing needs such as equipment purchases, leasehold improvements, long-term working capital and a variety of other needs.

  • Fixed or variable interest rates, ratios as high as 90% LTV Maturities of up to 7 years.
  • Rates and fees are based on overall banking relationships
Commercial Mortgage Loans
FirstCity Bank of Commerce commercial real estate loans are ideal for long-term financing of owner-occupied commercial property. These loans are used for purchase, construction or to refinance an existing mortgage. We have options for long term permanent financing, interim construction financing or a combination.

Contact us at (561) 630-5595 for more information.