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Main » Articles » Banks of the USA » USA

Very Important 1st Source Bank

Very Important 1st Source Bank

Business Banking

Checking Services

Your business needs a safe, reliable institution that can provide you with the services necessary for a business checking account. An A.J. Smith Federal Savings Bank business checking account will provide a convenient way to pay your expenses and accurately deposit your receipts. On a monthly basis, you will receive a statement plus your cancelled checks. The statement will give you a complete record of disbursements, deposits, and beginning and ending balances.

You have your choice of business checks in many formats and designs. Whether you need voucher copies, various sizes, unique styles and colors, A.J. Smith can provide the kind of check that personifies your business.

A. J. Smith Federal Savings Bank offers checking plans for any size business.

  • Minimum opening balance - $1,000.00

  • Minimum daily balance requirement per statement cycle - $1,000.00

  • Balances falling below $1,000.00 will be charged a maintenance fee of $10.00 per statement cycle.

  • $0.15 for each deposit within a statement cycle.

  • $0.10 for each check within a deposit.

  • $0.15 for each check written which clears during a statement cycle.

  • Check imaging - no charge.
    Cancelled checks returned in statement - $5.00.

  • Debit MasterCard® available (Click here for related Card Charges).

In addition to the regular business checking account, we also offer a variation thereof which is an earnings credit account. An earnings credit account earns a credit to reduce or offset monthly service charges assessed. This credit is based on the average available balance in your account during a statement cycle.

The business accounts listed above are exempt from the "Truth in Savings" regulation.

The following charges apply to all checking products:

  • Non Sufficient Funds (NSF) - $35.00 per overdraft created by each returned check/draft, in-person withdrawal, ATM withdrawal, or other electronic means.
  • Stop payment order - $35.00 per check/draft
  • Certified check - $10.00 per check
  • Negative Balance Fee - $5.00 per Day
  • Check printing (fee depends on style of check ordered)


Coin and Currency

When your operating needs call for a steady supply of coins and currency, A.J. Smith is happy to oblige. One phone call will have your currency and coin package awaiting pickup at your convenience.

Our History


Over 100 years ago, Arthur J. Smith arrived from New York and used his financial expertise to provide the dream of home ownership for the growing population of Chicago.

Today, as the A.J. Smith Federal Savings Bank, the same commitment to home ownership and community banking that Arthur believed in remains.

From its Midlothian and Orland Park locations, the Bank offers a full line of retail savings and lending services in addition to insurance and investment products.

 Stop in, share a cup of coffee with us and talk to any of our long time employees.  You'll see why our customers have continued to bank with us through the generations.

Category: USA | Added by: Lexu (12.01.2012) W
Views: 2515 | Tags: SUPPORT, loan, credits, services, Trust, investment, money, Products | Rating: 0.0/0
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