Basic Business Checking

Uncomplicate your business banking

Basic Business Checking is a favorite online business checking starter account for new businesses that need a checking account with a low opening balance and essential services. Log in to open an account now. You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.

No Minimum Balance

Never worry about maintaining a balance.

No Monthly Fees

Enroll in paperless statements to avoid the monthly fee.D

Bank When You Want

Access to your no fee checking account using Digital Banking Solutions.D

Pricing

Simple and affordable

Basic Business Checking is a favorite starter account for new businesses that need a checking account with a low opening balance and essential services.

  • Free transactions—up to 150 itemsD each monthD
  • Free coin and currency deposits—up to $5,000 each monthD
  • A minimum opening deposit of $100
Benefits

Convenience without costs

Online and mobile access

Access to Digital Banking Solutions for your business—from anywhere.

Pay with confidence

Your Visa® Business Debit Card offers a safe, convenient way to pay for purchases, manage cash flow and increase efficiency—all for free.

More options

Unlimited use of any First Citizens ATM or branch in our network—for free.D

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
Business Loans

Grow your business and community

As a preferred lender, we partner with the US Small Business Administration (SBA) to provide greater financing options for your business.
Learn more about small business loans
Visa Business Debit Card

Go cashless

Pay for everyday business purchases while managing cash flow and increasing efficiency.
Learn more about the Visa Business Debit 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.

Paperless statements are required to avoid a paper statement fee.

First 150 items processed per statement period are free. Each item in excess of 150 per month is $0.50 per item. Items include all debits, credits and deposited items.

Free coin and currency processing up to $5,000 per statement period. Deposits in excess of $5,000 per month are subject to a fee of $0.20 per $100 deposited. Other account and transaction-related fees may apply.

Service fees may be charged by the third-party ATM operator or owner, or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside of the United States, the fee will be 3.00% of the transaction amount.

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.

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.