Professional Business Checking

Meet high transaction needs for your business

Maintenance for Less

Competitive monthly maintenance fee.D

Free Transactions

Up to 1,000 itemsD each month.D

Bank When You Want

Access to Business Online Banking Advantage Plus with BillPay.

Pricing

Imagine, no monthly fees

No monthly maintenance feeD if you meet one of our following qualifiers. Otherwise, a $55 monthly maintenance fee.

  • $30,000 average daily ledger balance in Professional Business Checking accountD
  • $75,000 combined minimum daily ledger balance in Professional Business Checking, Business Savings, or CDsD
  • Maintain $10,000 in monthly volume with First Citizens Merchant Services
benefits

Designed for you

Specifically designed to meet the needs of your medical practices and firms in the professional field.

No annual fees

No annual fee on a Visa® Business Debit Card

More options

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

Enrollment bonus

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

Free deposits

Free coin and currency deposits—up to $12,500 each month.D

Invest idle funds

Free overnight investment of idle funds with our free investment sweep account.D

ACH and EDI

Generate additional payment information from ACH transactions using Electronic Data Interchange (EDI) extracts.

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

Merchant Card Processing

Payment processing tailored for you

Expand you customer payment options and streamline your operations with our payment solutions.
Visa Business Debit Card

Pay with confidence

Earn points on 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.

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 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.

Avoid the $55 monthly maintenance fee when you meet any one of these requirements: $30,000 average daily ledger balance in Professional Business Checking account, $75,000 combined minimum daily ledger balance in Professional Business Checking, Business Savings, or CDs, or maintain $10,000 in monthly volume with First Citizens Merchant Services.

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.

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.

Free coin and currency processing up to $12,500 per statement period. Deposits in excess of $12,500 per month are subject to a fee of $0.20 per $100 deposited. Other account and transaction-related fees may apply.

Sweep accounts are not insured by the FDIC or any federal government agency; may lose value; are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate; and are subject to investment risks, including possible loss of the principal amount invested.

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.