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| 1st Constitution Bank Believes in giving
small businesses the tools to grow. Overdraft protection, is the product
you need to save you from overdraft fees. Plus, it gives you extra
funds when you need them.
For information on how to apply Email
or call: Two ways to get more from your business checking account Write yourself a loan:
Once your overdraft account is established, you can write your own loan up to the approved line amount just by writing a check. That means the added convenience plus fast and easy access to extra funds as needed.
Overdraft protection:
Cash Reserve also protects you from the inconvenience and fees that result from overdrawing your checking account. If you write a check that exceeds your balance, Cash Reserve will cover it, up to the approved amount of your credit line.
Credit Limit:
Payment Schedule
Interest Rate
The Annual percentage Rate is fixed at 13%. The daily periodic rate is 0.03562%. Fees We will charge you an annual membership fee in the amount of $50.
This fee will be assessed only once in a 12-month period. Email
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Deposits at FDIC insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014 the standard insurance amount will return to $100,000 per depositor for all account categories except for IRA's and other certain retirement accounts will remain at $250,000. (This supersedes the October 2, 2008 changes.) 1st Constitution Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
Equal Opportunity Housing Lender
Equal Housing Lenders. 1st Constitution Bank is a member FDIC. © 2000 1st Constitution Bancorp. All Rights Reserved.
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IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.