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

Professional Checking

This specially structured checking package is tailored to cover the high transaction volume and needs of medical, dental and legal practices. Additional services included in the package at no extra charge are overnight investing1 of excess funds and business online banking with bill payment. And you can use our ACH origination service to initiate up to two ACH files and 25 transactions every month at no extra charge.2

Low monthly maintenance fee: A monthly maintenance fee of $50 enables you to have as many as 1,000 transactions each month with no extra per-item fee.3

Or choose no monthly maintenance fee: You can avoid the monthly fee altogether by keeping an average daily balance of $25,000 in your Professional Checking account — or $75,000 in combined daily balances in linked checking, money market, savings accounts and CDs opened under the same tax identification number.

Plus for no extra charge receive

Free overnight investment service: Make the best of idle funds with our free investment sweep account. Idle deposit balances are automatically swept into overnight, interest-earning investments.1

Business Online Banking PLUS with bill payment: Transact your banking more efficiently, accessing account information and initiating transactions through this fast, secure and easy Web-based service.

And many extras

  • No fee for Business Online Banking (BOB) Advantage Wire Module.
  • No fee for Business Online Banking (BOB) Advantage Current Day Wire Module.
  • No fee for CR-ROM.
  • No fee for CD-ROM Maintenance.
  • No fee for first CD-ROM 1,000 items.
  • Preferred interest rates on new loans and CDs.
  • Discount on loan origination fees.
  • Discount on merchant services and equipment.
  • No annual fee on any First Citizens Bank business or personal credit card including our specially designed First Citizens Medical Visa Platinum card.
  • No annual fee on Visa Business Check Card.
  • First order free of standard three-to-a-page business checks, binder, deposit slips and endorsement stamp.
  • Free initial supply of 75 disposable night deposit bags.
  • No annual fee on 3”x5” safe deposit box (or credit toward larger box), subject to availability.
  • Complimentary review of business and personal property and casualty coverage by First Citizens insurance professionals.
  • Complimentary investment portfolio assessment by First Citizens Wealth Management.
  • No monthly maintenance fee on one personal QuestSM premium checking account (or other First Citizens personal checking account).
 
Account openings and credit are subject to Bank approval.
1 Sweep accounts are not deposit accounts and are not FDIC insured, not bank guaranteed and may lose value.
2 Originations of ACH transactions in excess of 25 per month have a transaction charge of $.50 each; processing of ACH files in excess of two per month have a per-file fee of $6.00.
3 Transactions include any debits and credits to the account. Other account and transaction-related fees may apply; refer to the Disclosure of Products and Fees for additional fee information concerning this product.
Member FDIC Equal Housing Lender