Business Banking Menu

Business Checking

Overview

All business checking accounts include:

Check Safekeeping or Imaging for up to 140 items
Optional Overdraft Protection Available

Compare Accounts

Account type Basic
Business Checking
Value Business Checking Premier Business Checking Professional Business Checking Analysis Business Checking Business Checking with Interest Commercial Money Market Checking Public Money Market Checking
Learn More Learn More Learn More Learn More Learn More Learn More Learn More Learn More
Best if you want Essential features that support your basic checking needs A more robust checking account at a competitive price A flat monthly fee for your moderate account activity Features that support frequent checking activity exclusively for medical, dental, veterinary, legal practices, or accounting firms An account for companies with high checking activity and a need for cash management services An analysis account that pays interest on your funds, ideal for sole proprietors, for-profit companies and nonprofit organizations An analysis checking account earning money market interest with unlimited check-writing capabilities An analysis account that meets cash management requirements of public fund entities, like municipalities, governmental agencies, counties and public schools
Monthly maintenance fee $01 $0 if requirements are met, otherwise $25 $0 if requirements are met, otherwise $35 $0 if requirements are met, otherwise $55 $212 $212 $212 $212
Minimum opening deposit $100 $100 $100 $100 $100 $100 $100 $100
Account earns interest 4 3,4 3,4
Monthly package fee includes No fee for 175 items (debits, credits and deposited items). No fee for 250 items (debits, credits and deposited items). No fee for 500 items (debits, credits and deposited items). No fee for 1000 items (debits, credits and deposited items). N/A N/A N/A N/A
Out-of-network ATM Fee $2.50 $2.50 None None $2.50 $2.50 $2.50 $2.50
Check Recovery Service (For qualified accounts)
Learn More Learn More Learn More Learn More Learn More Learn More Learn More Learn More
Value Business Checking

$0 monthly maintenance fee1 if ONE of the following requirements is met:

  • $10,000 average daily checking balance
  • $15,000 minimum daily ledger balance in a related business savings account

Otherwise, a $25 monthly maintenance fee

A per item fee of $0.40 will be charged per item2 over 250.

A fee of $0.16 will be charged for each additional $100 coin and currency deposited over $7,500.

Minimum opening deposit: $100

Premier Business Checking

$0 monthly maintenance fee1 if ONE of the following requirements is met:

  • $15,000 average daily balance in a single Premier Business Checking account
  • $20,000 combined minimum daily ledger balance in Premier Business Checking, Business Savings, Commercial Money Market Savings, Premium Money Market Savings or CDs

Otherwise, a $35 monthly maintenance fee

A per item fee of $0.40 will be charged per item2 over 500.

A fee of $0.16 will be charged for each additional $100 coin and currency deposited over $10,000.

Minimum opening deposit: $100

Professional Business Checking

$0 monthly maintenance fee1 if ONE of the following requirements is met:

  • $30,000 average daily ledger balance in Professional Business Checking account
  • $75,000 combined minimum daily ledger balance in Professional Business Checking, Business Savings, Commercial Money Market Savings, or CDs
  • $10,000 in monthly First Citizens Merchant Services volume.

Otherwise, a $55 monthly maintenance fee

A per item fee of $0.40 will be charged per item2 over 1,000.

A fee of $0.16 will be charged for each additional $100 coin and currency deposited over $12,500.

Minimum opening deposit: $100

Questions?

Email us

Or call

1.866.FCB 4BIZ (1.866.322.4249)

Learn more about Business Online Banking Advantage®

Secure account access to keep your business finances organized

Learn More

Streamline your transactions with Merchant Services

Designed for the way you do business

Learn More
Email your question or comment

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To get additional information or to send a comment about First Citizens Bank, our products and services, please complete the online form below.

* indicates required field

Request a Call

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

Would you like to know more about our products and services? Give us your name, phone number, area of interest and what time is convenient for you. We will have a qualified First Citizens associate contact you to answer your questions.

* indicates required field

Personalize Your Banking Experience

First Citizens Bank product offerings differ from region to region. In order to accurately display information on accounts, rates and special promotions specific to your area, please enter your 5-digit ZIP Code below.

Email

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To contact , please complete the following form.

* indicates required field

Deposit cash or checks without an envelope 24 hours a day, seven days a week

Learn more »

Please Upgrade your browser

Your Browser Is Not Supported – Please Upgrade

In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

We strongly recommend that you upgrade now.

If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.