Commercial Banking

Affordability and simplicity to cover your essential business needs

Commercial Checking

The simple and straightforward option to meet your business banking needs.

  • No minimum balances or costly monthly maintenance fees
  • Up to 175 transactionsD each month,D free of charge
  • Monitor and manage activities for all your business accounts with a full suite of cash management services


Commercial Savings

The flexibility you need to reach your short- and long-term savings goals.

  • No monthly maintenance fee if a $300 daily ledger balance is maintained; otherwise, they are $3 each after the first two each statement cycle
  • Choose from tiered interest rates or steady-rate CDs
  • $15 fee for each withdrawal or transfer exceeding the regulatory limit,D regardless of the account balance maintained
Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.

Account openings are subject to bank approval.

For complete list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services.

Each item or transaction (other than non-PIN debit card transactions) which results in a debit or credit to the account is considered a separate "item," including each check, paper draft, deposit, item deposited, wire transfer, electronic withdrawal or transfer and PIN-based transaction.

First 175 items processed per statement period are free. Each item in excess of 175 per month is $0.50 per item. Items include all debits, credits and deposited items.

Federal regulations restrict preauthorized fund transfers on money market investment accounts and savings accounts. Account and transaction-related fees may apply.

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.