First Citizens Bank

Checking, Savings and CDs

Years of experience have taught us that while every business has unique needs, a desire for simplicity, flexibility and affordability in a checking or savings account is something all businesses share. We have structured all of our checking and savings accounts to provide just that.

• Checking Account Comparison Chart

  See all of our Business Checking accounts in a simple, easy-to-read chart that helps you find the right one for your business needs. Many of our accounts have one low monthly maintenance fee that can be avoided by maintaining an average daily account balance in your business checking account or other related deposit accounts.

• Free Business Checking

  Free Business Checking is a non-interest bearing checking account that provides 175 items free of charge within each statement cycle.¹ With Free Business Checking, you don’t have to worry about hidden fees or keeping a minimum balance to avoid service charges. It’s free — plain and simple. If you have a new business and need an account with a low opening balance, Free Business Checking may be the right account for your business.

• Business Quest^SM

  Business Quest has simple, easy-to-understand pricing and loads of extras for your business. One significant benefit is the Investment Sweep Option.² It allows you to earn interest on deposit balances by sweeping idle balances into overnight investment instruments. This a great way to make your money work for you.

• Professional Checking

  Professional Checking is tailored to the needs of medical, dental and legal practices that want the convenience and simplicity of a checking account with premium banking services, easy-to-understand pricing and other attractive benefits.

• Business Checking II

  Simple, easy to understand pricing and up to 250 transaction items covered in the monthly maintenance fee makes the Business Checking II account right for many businesses.

• Commercial Analysis Accounts

  First Citizens' Commercial Analysis aggregates your deposit accounts into a single relationship. This portfolio includes accounts designed for businesses with higher activity levels or the need to manage cash more effectively.

• Investment Sweep Options

  At First Citizens, we offer small businesses the same opportunity for cash management that larger businesses have always had. Our Sweep options will automatically move your cash from checking accounts that pay no interest into overnight interest-bearing investments. If you have a Business Checking II, Business Quest checking account or Commercial Analysis checking accounts, the Investment Sweep Options can help you manage your cash and maximize your earnings.²

• Savings & CDs

  Whether you need to start building a stable savings plan while maintaining convenient access to your funds or are looking to invest extra cash for a designated period of time, it is important to make your money work as hard as it can. First Citizens offers a number of savings and CD options, one that is right for you.

• Order Checks Online

  Reorder your checks, quickly and easily—online.

• Visa^® Business Check Card

  Our goal is to make your life easier, which is why we offer the convenient Visa Business Check Card with no monthly fee. Accepted virtually everywhere credit cards are accepted, it allows you to immediately access funds in your business account.