I don't think this applies to us anymore, particularly given the changes to state law brought about by the 1999 Banking Code. To answer you specifically, 1) we have not included such restrictions in our note; and 2) we don't monitor for a minimum first advance. (Both my banks are state chartered, non-Fed members...)
Is your bank a member of the Financial Institutions Compliance Cooperative? Search under Bodman Law in Cheboygan.
Opinions are Bartman's, not those of my employer.