Professional Business Checking

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.

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.