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May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
Designed for high-activity businesses with several related accounts and more complex financial needs, our analysis business checking can help manage and improve cash flow through both interest-bearing and non-interest-bearing accounts.
Low monthly fee
Offset some or all monthly expenses with an Earnings Credit Rate, or ECR.
Flexibility
Manage a variety of cash flow options and optimize earnings.
Convenience
Access Commercial Advantage, online statements and Bill Pay.
Streamline your business operations with our analysis-focused commercial checking account services, designed to optimize your financial management and support your growth. Our analysis business checking account puts your money to work for you through a competitive ECR.
Accurately track cash flow
Manage your business on the go
Keep your assets secure
Accurately track cash flow
Manage your business on the go
Keep your assets secure
At First Citizens, our analysis business checking account is designed to help streamline processes and cash flow for companies with multiple business accounts and high activity.
Earnings Credit Rate, or ECR, is a variable rate that can change at any time. An ECR allows analysis business 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.
Michelle Chan-Ponder
Area Executive
Account openings are subject to normal bank approval.
For a list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services (PDF).
Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.
NMLSR ID 503941
Treasury & Cash Management
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