Business Checking Accounts

Business checking that meets your needs

Find your fit with multiple checking options

Whether your business is starting or expanding, our small business checking accounts and services help to keep your operations running smoothly.

Basic Business Checking

This low-cost small business checking account option is ideal for businesses with a lower monthly volume of transactions.

  • No minimum balance
  • No monthly maintenance fee when enrolled in paperless statementsD
  • No per item fees for the first 150 itemsD processed per statement period
Learn more about basic business checking accounts

Premier Business Checking

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

  • Flat monthly maintenance feeDD
  • No per item fees for the first 500 itemsD processed per statement periodD
  • Preferred interest rates on CDs
Learn more about premier business checking accounts

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 Digital Banking for business with Bill Pay
Learn more about professional business checking accounts
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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
Learn more about analysis business checking accounts
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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
Learn more about CORE business checking accounts
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Essential Business Bundle

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

Learn more about the essential business bundle
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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

Learn more about business digital banking
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

Learn more about business digital banking
Remote Deposit Capture

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Learn more about Remote Deposit Capture
Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.
Learn more about the purchasing card
FAQ

People often ask us

You can open a business checking account online by logging in to your account, by visiting business checking or by talking with a Financial Services Representative at your local branch.

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.

In order to open a business checking account, we require the business’ Federal Employee Identification Number (EIN) for most business types. If your business is a Sole Proprietorship or you're the sole LLC member, a Social Security number is accepted. For complete requirements please refer to our Business Account Requirements.

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

Yes. Our business checking accounts come with our Business Digital Banking services for fast, secure and easy banking access online. You can bank anywhere, anytime, 24 hours a day, 7 days a week.

Yes. If you're running low on checks, we've got you covered. Whether you need checks or accessories for your business bank 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.

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.

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 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.

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