Nirvana Meets Business Checking
In a sea of complicated business checking accounts, Utah First introduces simplicity. One business checking account that serves both the small business that needs lower fees and expanded services, and the big business that wants a comprehensive earnings credit and total accessibility. Introducing Nirvana Business Checking…

Nirvana Service Is The Key
Utah First has built its business on the truism that great service is the key to any successful financial relationship, especially when it comes to your business. We are equipped to help you take care of everything associated with your business finances. From the best business checking account anywhere, to merchant services, and debit cards, Utah First’s focus is to help you and your business be successful.

Gone are the Business Checking Games
The introduction of Nirvana Business Checking marks the elimination of the complicated games business owners like you used to have to play in order to make their checking account work hard for their business. Take a look…

Throw away the broom! No more “sweep” games!
You know the sweep game. You have more money in your business account than you need to cover expenses and you either have to pay your bank to “sweep” the money or take lots of time to do it yourself. With the Nirvana Business Checking account, we pay you a great rate of return on your Nirvana Business Checking account, saving you the “sweep” and the fee. Click here to see our dividend rates.

Benefit from your entire earnings credit!
With most Business Checking accounts, you’ll get an earnings credit that will offset the transaction fees you incur during the month. With the Nirvana Business Checking account you’ll get an earnings credit, and if your credit exceeds your fees, you can take what’s left over in the form of a dividend, or you can have your dividends remain in your account so you can apply them to the next month’s fees. You choose!

Low to no fees!
Paying a lot of business checking fees to a big bank or credit union does only one thing: cost your bottom line money. At Utah First, our fees are lower, plus we do not charge a ridiculous “monthly maintenance fee” like others do (see example below). Plus, there are services upon services that are completely free.

Fee*	UFCU	Zions	Mt. America	Wells	Barnes
Monthly Service Fee	$0	$10	$6	$20	$8
NSF/Overdraft Fee	$15	$23	$18	$34	$21
Stop Payment Fee	$15	$20	$18	$25	$20

Free debit card awards ARE included!
At Utah First, you are charged less and you get more. With our Debit Card reward program, you’ll get cash rewards when you use your Utah First Debit card to pay for business expenses.

The hassles of switching are gone!
We will do all the work of switching your business checking account over to Utah First. One call to 888-EZ-2-SWITCH and we will come running!

Look at all the other features you get:
Free online eStatements
Free online check images
Free online banking
Free account alerts
Free downloads to Quickbooks, Quicken, or Money.
No ridiculous set up charge
First 20 bill payments are free
Free money orders, cashier's checks, incoming wires, Travelers Cheques, and 1st zipper bag
And much more

Everything Else
We know you are going to have questions about your Nirvana Business Checking account and we are here to make sure you know how Utah First can make your business a successful one. Call us at 888-EZ-2-SWITCH today.

*Survey of competitive business checking accounts as of March 2008.