When it comes to business banking, atm services, merchant credit card payment processing, or small business funding, First Banking Center can help you in every which way. FBC has relationships with time tested and top tier service providers. Stop by one of our branches to learn more about what solutions we can offer you. If you need an atm, you need a pos system credit card processor or you need a loan for your business growth at FBC, we are here to help. Please visit any of the following websites to learn more about what services and solutions FBC can provide you with: mbankcard , Colllection Merchants , Head Shop Friendly CC Processor . We work closely with those service providers who assist small businesses with growth and savings.

You can now save money on current and future medical expenses. If you are eligible for an HSA, your contributions are tax deductible and your withdrawals for qualified medical expenses are tax-free. Additionally, with our HSA, you will get a competitive return on your money with no setup fees or balance requirements.

As a qualified HSA participant, you will gain the following benefits:

• You will have a tax-free way to pay for qualified medical expenses and enhance your retirement portfolio.
• Unlike a Flexible Spending Account, your balance can be carried over from year to year allowing your account balance to grow.
• Your contributions are deductible when determining your adjusted gross income, up to the annual maximums.
• If you are between the ages of 55 and 65, you are allowed to make additional catch-up contributions.
• Your high-deductible health plan (HDHP) premiums should be less expensive than health insurance with traditional deductibles.
• You can relax knowing that your HSA with First Banking Center is paying you competitive rates with no setup fees or balance requirements.

You are eligible for an HSA at First Banking Center if you meet ALL of the following:

• You are covered under a high-deductible health plan (HDHP)
• You do not have additional coverage by any other health plan that is not an HDHP
• You are not enrolled in Medicare
• You cannot be claimed as a dependent on another person's tax return

If you meet all of the above requirements, you can start saving today with First Banking Center's HSA:

• Tiers*:
  $0 - $2,499              
  $2,500 - $7,499
  $7,500 - $24,999
  $25,000 - $49,999
  $50,000 - $99,999
  $100,000 and over
• Interest credited monthly
• Unlimited check writing with no per check fees
• FREE check safekeeping available
• Overdraft Privilege Program does not apply
• $100 initial opening deposit requirement
• HSA Debit card available**/***
• 24-hour account access via Internet available
• 24-hour account access via telephone available
• FREE online or e-mail bank statement available

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Listed below are a few resources you may want to visit to help increase your knowledge of HSAs:

• Any First Banking Center location
• Tax or legal professional
• U.S. Department of Treasury Web Site:  http://www.treas.gov/offices/public-affairs/hsa

Account pricing/activity limits may vary in certain locations. Please call your nearest branch for details.
Current interest rates are posted in the bank lobby and are subject to change without notice. They are solely determined by the bank.
*Interest will be paid on average daily balance.
**Other banks may charge additional fees for using their ATMs. These fees will appear on your monthly statement. Other fees may apply. See our Personal Fee Schedule for information on service fees.
***ATM transactions: 50¢ for each TYME/Pulse terminal transaction, and $2 for each non-TYME/Pulse terminal and international transaction.