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Navigation Path: Home > Business Services > Checking, Savings & CDs > Commercial Analysis Accounts Larger Type|Smaller Type|Print

Commercial Analysis Accounts

First Citizens Commercial Analysis aggregates your deposit accounts into a single relationship, all facets of which work together for your benefit. Our Commercial Analysis portfolio includes five types of accounts designed for businesses with higher activity levels, or the need to manage cash more effectively. The foundation of these accounts is simple: Based on balances maintained across multiple accounts, you receive an earnings credit which can offset a portion or all service charges that accrue for each statement period. Commercial Analysis also enhances your ability to keep track of the funding activities surrounding various parts of your business, like payroll, savings, daily operations and risk management.

The following are the five types of analysis accounts:


Regular Checking

  • Regular checking is the way to go for many businesses with a moderate to high number of transactions

  • A non-interest bearing account with only a $200 minimum deposit required to open

Checking with Interest

  • The perfect account for sole proprietors and nonprofit organizations that want to earn interest on their funds and have a moderate to high number of transactions each month

  • An interest-bearing account with only a $200 minimum deposit required when opening the account

  • Interest is paid on daily collected funds, compounded daily and credited monthly

Money Market Checking

  • Provides the attractive earnings of a money market account with the unlimited check-writing privileges of a regular checking account

  • On a daily collected balance of $1,000 or more, interest is paid at money market rates

  • If the daily collected balance falls below $1,000, the interest rate changes to the Checking With Interest account rate

Public Money Market Checking

  • Available only to public institutions

  • Unlimited check writing

  • Interest is paid on the daily collected balance, and the interest rate is indexed to the federal funds market

Money Market Savings

  • A business savings account paying a higher tiered interest rate, tiers based on daily collected balance

  • This account offers limited check-writing privileges, but unlimited withdrawals in person or at any ATM1

 
* Normal credit approval applies on all checking accounts, loans, lines of credit and credit cards.
1 Federal regulations restrict preauthorized fund transfers on money market investment accounts and savings accounts. You are not permitted to make more than six (6) preauthorized transfers per statement period. Preauthorized transfers include transfers to third parties by preauthorized means, automated transfers or telephone transfers between your First Citizens Bank accounts (unless the transfer is for the purpose of repaying a loan). No more than three (3) of the six (6) preauthorized transfers may be made check, draft, debit card, or similar order payable to a third party. There is an additional charge for excessive transfers or withdrawals disclosed under each account type. You may make unlimited withdrawals or transfers in person, by mail, or through an ATM. Continued excessive preauthorized transactions will result in the money market investment account being closed or converted to a checking account.
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