BankFIRST provides commercial banking services in central Florida. It offers business account services, which include business checking, small business checking, commercial checking, business check card, business savings account, business money market account, overnight investment, and telephone banking; and commercial lending services, including accounts receivable financing to support working capital, commercial loans to finance equipment and vehicles, real estate loans to finance owner occupied and investment properties, construction loans, not-for-profit lending, and letters of credit. The bank also provides small business administration loans, online bill payment services, mortgage lending services, and home equity lines of credit; and other personal banking services, which include certificates of deposit, and individual retirement accounts. In addition, BankFIRST offers other business banking services comprising courier services for deposits, merchant bank-card, domestic and international wires, collection/draft, and night depository or bank by mail; personal account services, such as regular checking, money market, regular savings, and passbook savings accounts; and Internet banking services. It has branch offices in Apopka, Clermont, Eustis, Goldenrod, Sanford, Winter Garden, and Winter Park. BankFIRST was founded in 1989 and is headquartered in Winter Park, Florida. As of April 26, 2007, BankFIRST is a subsidiary of The BANKshares, Inc.