Business Checking Accounts

Business checking that fits your needs

Basic Business Checking

Simplify finances of your small business with our low-cost checking account and enjoy no monthly maintenance fee.

  • No minimum balance
  • No monthly maintenance fee when enrolled in paperless statementsD
  • No per item fees for the first 175D items processed per statement periodD

Premier Business Checking

Expand your business with this flexible, affordable account, perfect for the needs of growing businesses.

  • Flat monthly maintenance feeDD
  • No per item fees for the first 500D items processed per statement periodD
  • Preferred interest rates on CDs

Professional Business Checking

Designed to meet the sophisticated financial needs of professional practices.

  • Competitive monthly maintenance feeD
  • Free transactions—up to 1,000 itemsD each monthD
  • Free access to Business Online Banking Advantage Plus with BillPay

Analysis Business Checking

For companies with related accounts and more complex financial needs. Put your money to work with a competitive monthly earnings credit rate.

  • Earnings credits offset some or all of your monthly expenses
  • Add the flexibility of either a non-interest-bearing or interest-bearing account
  • Low monthly maintenance fee

CORE Business Checking

Designed for, and only open to, small charitable organizations, small religious institutions and short term end-of-life estate accounts.

  • No minimum balance requirement
  • No monthly maintenance fee
  • No per-item fees for the first 100 itemsD processedD

Essential Business Bundle

Combine our most popular services into a simple package to meet your business’s growing needs.

  • Essential deposit services in up to three non-interest checking accounts
  • Remote check image deposit (RID) that comes with a free check scannerD
  • Fraud protection with ACH Positive Pay, Check Positive Pay or Reverse Positive Pay
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

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.
FAQ

People often ask us

The documentation you need to open a business account will vary based on your business type and business needs. Our Business Account Requirements provides a good place to start understanding what documents you will need during the account opening process.

To apply for a business checking account, talk with a Financial Services Representative at your local branch or call 888-FC-DIRECT (888-323-4732).

The minimum opening deposit for our business checking accounts is $100.

Yes. If you're running low on checks, we've got you covered. Whether you need checks or accessories for your business account, we offer a quick and simple online ordering process through our supplier, Harland Clarke.

  • Access Harland Clarke—Check Ordering.
  • Log in with your routing or transit number and the account number from your checking account.
  • Don't know where to find these numbers? Don't worry—an example check is available for clarification.
  • Choose the checks and accessories you want to purchase.

If your name or address has changed, or you have not ordered checks in the past, please call us or visit your local branch to update your information or place your first order.

Yes. Our Business Checking accounts come with our Business Online Services for fast, secure and easy banking access online. You can bank from anywhere, anytime, 24 hours a day, 7 days a week.

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.

No monthly maintenance fee when you maintain minimum balance requirements or specific balance qualifiers.

Enrollment involves an annual rewards fee of $150 per company. This fee is subject to change at any time, and will be charged to your account upon enrollment. Only available to businesses with credit card lines less than $100,000.

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

Paperless statements are required to avoid a paper statement fee.

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.

First 500 items processed per statement period are free. Each item in excess of 500 per month is $0.50 per item. Items include all debits, credits and deposited items.

First 1,000 items processed per statement period are free. Each item in excess of 1,000 per month is $0.50 per item. Items include all debits, credits and deposited items.

Each item in excess of 100 per month is $0.50 per item.

One single feed scanner. 

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.