Premier Business Checking

Big perks for any business size

Premier Business Checking meets the needs of established businesses with high checking activity. A great option for growing businesses that want an affordable, flexible and simple package. 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.

Flat Fees

Enjoy flat monthly maintenance fees.DD

Forget Per-Item Fees

No per item fees for the first 500 itemsD processed per statement period.D

Bank When You Want

Access to your account using Digital Banking Solutions.


Imagine, no monthly fees

No monthly maintenance feeD if you meet one of our following qualifiers. Otherwise, a $35 monthly maintenance fee.

  • $15,000 average daily balance in a single Premier Business Checking account
  • $20,000 combined minimum daily ledger balance in Premier Business Checking, Business Savings, Premium Money Market Savings or CDs
  • Also included, free transactions up to 500 itemsD each monthD

Convenience without costs

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.

CD options

A variety of Business CDs with preferred interest rates to help you reach your business savings goals.

Enrollment bonus

New enrollment bonus of 10,000 pointsDD when you open a First Citizens Rewards Business Visa® Card with Accelerated Earnings.

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

Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.
Visa Business Debit Card

Go cashless

Pay for everyday business purchases while managing cash flow and increasing efficiency.

Account openings and credit 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.

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

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.

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.

Bonus points will be awarded upon $3,000 in spend in the first 90 days after account opening. Points will be awarded within 60 days of qualification. Limit one per company.

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.