Commercial Checking Accounts

Designed for growing companies with higher transaction volumes

Simplify your solutions with commercial checking accounts

Designed for high-activity businesses with several related accounts and more complex financial needs, our commercial checking can help manage and improve cash flow through both interest-bearing and non-interest-bearing accounts.

Low monthly feeD

Offset some or all monthly expenses with an Earnings Credit Rate, or ECR.D

Flexibility

Manage a variety of cash flow options and optimize earnings.

Insight

Aggregate deposit accounts into a single relationship.

Interested in a commercial checking account?
Commercial Checking Account Services

Empowering you to stay ahead

Streamline your business operations with our analysis-focused commercial checking account services, designed to optimize your financial management and support your growth. Our commercial checking account puts your money to work for you through a competitive ECR.

  • Available for both non-interest-bearing and interest-bearing accounts
  • Reduce service charges through the use of an earnings credit
  • Group multiple analyzed accounts to consolidate balances and services
  • Access treasury management services to help control cash flows
Digital Banking

Commercial Advantage

Accurately track cash flow

Manage your business on the go

Keep your assets secure

Learn more about Commercial Advantage
Digital Banking

Commercial Advantage

Accurately track cash flow

Digital Banking

Commercial Advantage

Manage your business on the go

Digital Banking

Commercial Advantage

Keep your assets secure

Learn more about Commercial Advantage

Commercial Checking Account FAQ
People often ask us

At First Citizens, a commercial checking account is an analysis account for a business to aggregate deposit accounts into a single relationship, with all facets of the accounts working together for your benefit. Based on the balances maintained across multiple accounts, a commercial checking account may enhance your ability to keep track of the funding activities for various parts of your business.

Commercial checking and business checking have several key differences. Business checking is designed for small to mid-size businesses with straightforward banking needs with preset tiers depending on the type of business. Commercial checking is for larger businesses with more complex needs and is more customizable than business checking services.

Earnings Credit Rate, or ECR, is a variable rate that can change at any time. An ECR allows commercial checking clients to reduce or offset fees for bank services based on the level of balances maintained in their analysis relationship. Earnings credit is applied to analysis accounts on a monthly basis. If the earnings credit for a given month is less that the total of service charges, the applicable fees will be assessed to the account. If your earnings allowance is greater than the applicable fees for a given statement period, we won't credit that amount to your account or carry it forward to the following statement period.

Talk to a banker to open a commercial checking account.

Commercial Checking Account Insights
Grow your business

Treasury Management

How cash flow and capital impact your business

It's important to actively monitor and manage your company's cash flow and working capital.
Working capital and cash flow are important parts of your business's financial health.
Treasury Management

What's new in contactless payments?

Contactless payment technology continues to evolve to meet consumer demand and address security concerns.
Biometric authentication alleviates the need for PIN codes and passwords.
Risk Management

Bank fraud prevention tools to try

Business fraud can impact your business's finances, your reputation and customer trust.
Fraud incidents may disrupt operations, erode customer loyalty and trust and threaten revenue streams, leading to reputational damage. Implementing a proactive, multilayered fraud prevention strategy can become a competitive advantage, mitigating risk while building long-term value.

Account openings are subject to bank approval.

For a list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services (PDF).

Earnings Credit Rate, or ECR, is a variable rate that can change at any time. An ECR allows commercial checking clients to reduce or offset fees for bank services based on the level of balances maintained in their analysis relationship. Earnings credit is applied to analysis accounts on a monthly basis. If the earnings credit for a given month is less that the total of service charges, the applicable fees will be assessed to the account. If your earnings allowance is greater than the applicable fees for a given statement period, we won't credit that amount to your account or carry it forward to the following statement period.

For more account details, see our Deposit Account Agreement (PDF) and our Commercial Advantage Customer Agreement (PDF).