As Individual as you.

At Business First Bank, we have developed a special array of products and services designed to better serve individuals and families who have achieved a certain level of success. We would like to personally invite you to become a member of this elite group.

Products & Services


Private Client is an elite status with Business First Bank, allowing access to high-end products and services. In order to become eligible, a client must meet at least one of the following criteria:

• $150,000 individual annual income/$250,000 household

• $500,000 in investable* assets (including IRA/401k)

• Net worth of $1,000,000 per Business First Bank Financial Statement

• Be employed as a physician, attorney, or CPA


To remain eligible, Client must have or open a personal deposit relationship with Business First Bank and maintain minimum balances of:

• Minimum of $10,000 in Demand deposits (personal checking or personal MMA) OR

• Minimum of $50,000 in total combined deposits (including Certificate of Deposits, Savings accounts and transaction accounts).

*cash, marketable securities

Deposit Services

A set of high-end deposit options are available to serve the needs of high-net-worth individuals and families.

Business First Class NOW

  • High-yield interest checking provides convenient, unlimited access to funds
  • No monthly service charge
  • No per-check or withdrawal fee
  • Tiered interest rates
  • Monthly statements
  • Free specialized Business First Class checks

Business First Class Money Market

  • High-yield saving with limited check writing
  • No monthly service charge
  • Limited third-party transactions
  • Tiered interest rates
  • Monthly statements
  • Free specialized Business First Class checks

Business First Class Check Card

  • With no ATM fees worldwide

Home Equity Loans/Lines

  • 5 year balloon (fixed rate, 20 year amortization)
  • 10 year balloon (fixed rate, 20 year amortization)
  • Interest-only option on HELOC (variable rate)
  • Favorable rates and terms with discounted closing costs

Credit/Other Products

Customized credit solutions are available to Private Clients including:

  • Special rates
  • Top-of-queue underwriting
  • Unsecured lines of credit
  • Auto/boat loans
  • Lot loans
  • Construction loans
  • Bridge loans
  • Home Equity Line-of-credit (HELOC)

Mortgage Products

Private Client members have access to a variety of portfolio mortgage products. Current offerings include the following:

Mortgage Loans

  • Discounted origination fees for Private Clients
  • Only the most experienced and knowledgeable Mortgage Originators service Private Client mortgage applicants
  • These originators are empowered to provide Private Clients top-of-queue service supported by underwriting that receives top priority

Insurance Products

There is a wide array of insurance products available. The insurance team can assist with exploring your needs and customizing solutions.