Commercial Checking Accounts

Designed for growing companies with higher transaction volumes

Simplify your solutions with commercial checking accounts

Designed for high-activity businesses with several related accounts and more complex financial needs, our analysis business checking can help manage and improve cash flow through both interest-bearing and non-interest-bearing accounts.

Low monthly fee

Offset some or all monthly expenses with an Earnings Credit Rate, or ECR.

Flexibility

Manage a variety of cash flow options and optimize earnings.

Convenience

Access Commercial Advantage, online statements and Bill Pay.

Interested in a commercial checking account?
Commercial Checking Account Services

Empowering you to stay ahead

Streamline your business operations with our analysis-focused commercial checking account services, designed to optimize your financial management and support your growth. Our analysis business checking account puts your money to work for you through a competitive ECR.

  • Available for both non-interest-bearing and interest-bearing accounts
  • Reduce service charges through the use of an earnings credit
  • Group multiple analyzed accounts to consolidate balances and services
  • Access treasury management services to help control cash flows
Digital Banking

Commercial Advantage

Accurately track cash flow

Manage your business on the go

Keep your assets secure

Learn more about Commercial Advantage
Digital Banking

Commercial Advantage

Accurately track cash flow

Digital Banking

Commercial Advantage

Manage your business on the go

Digital Banking

Commercial Advantage

Keep your assets secure

Learn more about Commercial Advantage
Commercial Checking Account FAQ

People often ask us

At First Citizens, our analysis business checking account is designed to help streamline processes and cash flow for companies with multiple business accounts and high activity.

Earnings Credit Rate, or ECR, is a variable rate that can change at any time. An ECR allows analysis business checking clients to reduce or offset fees for bank services based on the level of balances maintained in their analysis relationship. Earnings credit is applied to analysis accounts on a monthly basis. If the earnings credit for a given month is less that the total of service charges, the applicable fees will be assessed to the account. If your earnings allowance is greater than the applicable fees for a given statement period, we won't credit that amount to your account or carry it forward to the following statement period.

Talk to a banker to open a commercial checking account.

Commercial Checking Account Insights

Grow your business

Treasury Management

How Cash Flow and Capital Impact Your Business

It's important to actively monitor and manage your company's cash flow and working capital.
Working capital and cash flow are important parts of your business's financial health.
Treasury Management

What's New in Contactless Payments?

Contactless payment technology continues to evolve to meet consumer demand and address security concerns.
Biometric authentication alleviates the need for PIN codes and passwords.
Industry Expertise

Cash Flow Management Is Key in Manufacturing Success

Healthy cash flow management can make manufacturers' operations more stable and streamlined.
Tight production planning and control may prove to be an integral part of cash flow management strategy.

Michelle Chan-Ponder

Area Executive

Account openings are subject to normal bank approval.

For a list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services (PDF).

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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