Photo of Community First Bank Relationship Manager Miriam Coffman holding ice cream cone with small business client.

overview

As your locally owned bank we pride ourselves in the relationships with have with local businesses.  Regardless of the size of your business we have a variety of unique banking solutions to meet your specific needs.

Our robust online banking platform allows you to conduct your business on the go. From Bill Pay to ACH origination and wires you can manage your all finances at your desk, or on your phone or tablet.

Our renowned Free Courier Service aids businesses with deposits, change orders and sensitive lending or bank documents.

It's time to focus on what you love about running your business and let us assist you in managing your financial needs.

Business Banking Products

Basic Checking

With no monthly service charge and the first 100 transaction items free*, this account is ideal for smaller business owners with lower volumes of monthly transactions.

*Each additional transaction item is $0.20 per item, with an additional charge of $0.60 applied per $1,000 cash deposit or withdrawal in excess of $10,000 per month.

Services Include:

- Online Banking

- Cash Management*

- Combined Statements, including check imaging

- Free Bill Pay

- Visa Debit Cards

- CardValet™ (enables the user to customize fraud alerts and set spending limits)

- MoneyPass™ (nationwide ATM network with over 32,000 locations)

*Additional Fees May Apply

Interest Checking

An interest-bearing business checking account that includes 200 free transaction items* per month, making this account the best option for growing businesses.

This account type is also available without earning interest for businesses who do not qualify. Fees and transaction limits are waived for non-profit organizations.

*Interest earned is paid monthly, while the $10 monthly service charge can be waived with a minimum daily balance of $2,000. Each additional transaction item is $0.20 per item, with an additional charge of $0.60 applied per $1,000 cash deposit or withdrawal in excess of $10,000 per month.

Services Include:

- Online Banking

- Cash Management*

- Combined Statements, including check imaging

- Free Bill Pay

- Visa Debit Cards

- CardValet™ (enables the user to customize fraud alerts and set spending limits)

- MoneyPass™ (nationwide ATM network with over 32,000 locations)

*Additional Fees May Apply

Analyzed Checking

Designed for businesses with high volume monthly transactions who may also need cash management services such as ACH origination, wire transfers, and Remote Deposit Capture. The earnings allowance is generated based off the monthly average collected balance and is used to offset potential monthly service charges that may be incurred.

As each business has different needs, we encourage you to contact your local Community First Bank branch for more information on this account type.

Services include:

- Online Banking

- Cash Management*

- Combined Statements, including check imaging

- Free Bill Pay

- Visa Debit Cards

- CardValet™ (enables the user to customize fraud alerts and set spending limits)

- MoneyPass™ (nationwide ATM network with over 32,000 locations)

*Additional Fees May Apply

Savings

Maximize your earning potential by opening a business savings account today. This is an interest-bearing account with unlimited in-person withdrawals and no fee when you come in to a branch. $2.00 monthly service charge (waived with a minimum daily balance of $200).

Services include:

- Online Banking and Mobile Banking

- Combined Statements, including check imaging

- Free Bill Pay*

*Limited to six (6) electronic withdrawals per month.

Money Market

Open up a money market account and start using your excess cash to grow your savings. Take advantage of unnlimited in-person withdrawals with no fee when you visit inside our branch.

The $9.00 monthly service charge (waived with a minimum daily balance of $500).

Services include:

 

- Online Banking and Mobile Banking

- Combined Statements, including check imaging

- Free Bill Pay*

*Limited to six (6) electronic withdrawals per month.

Certificate of Deposit

CDs are a great way to earn a higher interest rate than you would with a regular savings account. With just a $100 opening deposit, you can begin earning competitive rates. Interest rates vary based on the term of the CD. Call one of our Personal Bankers today to find the best CD to fit your needs.

Easily manage, budget and secure your cards with the Card Valet™ mobile app.

Find a MoneyPass™ surcharge-free ATM near you using the online locator tool.

MoneyPass™ and Card Valet™ are trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates.

Download our mobile banking app

Our Community First Bank Mobile app allows you to pay bills, send money, and deposit checks anytime, anywhere.

Visit the Google Play and Apple App stores to download our mobile banking app today!

Business Product Features Comparison

Providing secure and convenient access to your money.

Basic Checking

Basic Checking

No Min. Opening Balance

  • No Monthly Service Charge. First 100 transaction items free.
  • No Earned Interest
  • $0.20 fee per each additional transaction item
  • Image copies of checks included in monthly account statement
  • There is an additional charge of 60¢ per $1,000 of cash deposits or withdrawals in excess of $10,000 per month

Interest Checking

Interest Checking

No Min. Opening Balance

  • $10.00 Monthly Service Charge Waived with minimum daily balance of $2,000. Waived for non-profit agencies.
  • Earns Interest
  • 200 free transactions, each additional transaction 20¢
  • Image copies of checks included in monthly account statement
  • There is an additional charge of 60 cents per $1,000 of cash deposits or withdrawals in excess of $10,000 per month

Analyzed Checking

Analyzed Checking

No Min. Opening Balance

  • All earnings allowance will be used to offset any service charges using the monthly average collected balance.
  • Image copies of checks included in monthly account statement
  • See your bank representative for special features and fees

Savings

Savings

No Min. Opening Balance

  • $2.00 Monthly Service Charge Waived with minimum daily balance of $200
  • Earns Interest
  • Unlimited withdrawals with no fee when you come in person to a branch. Savings/money market account withdrawals are limited by federal regulations. You may make no more than six (6) pre-authorized, automatic, electronic, ACH, telephone, online or wire withdrawals or transfers, or payment by check, debit card, or similar order payable to third parties per monthly statement cycle. Additional withdrawals are $10.00 per item. If you exceed the transfer limitation set forth above in any statement period, your account will be subject to closure by Community First Bank.

Money Market

Money Market

No Min. Opening Balance

  • $9.00 Monthly Service Charge Waived with minimum daily balance of $500
  • Earns Interest
  • Unlimited withdrawals with no fee when you come in person to a branch. You may make no more than six (6) pre-authorized, automatic, electronic, ACH, telephone, online or wire withdrawals or transfers, or payment by check, ATM card, or similar order payable to third parties per monthly statement cycle. Additional withdrawals are $10.00 per item. If you exceed the transfer limitation set forth above in any statement period, your account will be subject to closure by Community First Bank.

Certificates of Deposit

Certificates of Deposit

$100 Min. Opening Balance

  • No Monthly Service Charge Penalty imposed for early withdrawal
  • Earns Interest

Cash Management Services

From payroll and check deposits to providing your customers with fast and easy electronic payment solutions, we offer a variety of convenient and secure ways to manage your cash flow.

Services Include:

  • Business Online Banking

  • Business Bill Pay

  • Positive Pay

  • Remote Deposit Capture

  • ACH Origination

  • Lockbox Service

  • Merchant Card Services

Learn more about all of our Cash Management Services in our comparison box below.

Garrett-Electric

We can count on Derek to do what is right for our business, even taking a risk if necessary. He responds quickly to our questions and needs even while on vacation. You won’t get that level of service at a big bank.

Mary R.
Garrett Electric

Business Banking Team

Matthew Backlund

Chief Lending Officer

Brenda Bravo

Branch Manager, Pasco

Margarita Gourley

Branch Manager, Richland

Molly Kunkel

Branch Manager, Connell

Danielle King

Branch Manager, Kennewick

Miriam Coffman

Relationship Manager

Antoinette Burnside

Product Manager

Cameron Stephens

Business Banking Team Lead

Bill Shibley

Senior Agricultural Officer

Derek Brownson

Business and Agriculture Banker

David Doak

Business Banker

Amanda Jones

Business Banker

Jesus Melendez

Business Banker

Rick Pullen

Construction & Consumer Banker