Business Checking Accounts

Business checking services that meet you where you are

Find your fit with multiple business checking account options

Whether your business is starting or expanding, our small business checking accounts are designed with your needs in mind. Customize your package by adding on discounted treasury management products, and leverage your First Citizens merchant services account to cover the monthly maintenance fee.

Compare Business Checking Accounts
Get a Visa Business Debit card

Use your First Citizens debit card to make payments anywhere

Your Business Banking account comes with a Visa® Business debit card, which you can use for a fast, touch-free, secure way to pay.

First Citizens Bank Business Visa debit card
Explore Visa Business Debit Card Benefits

Business Banking

Monthly maintenance fee: $0D

Ideal for businesses just getting started

  • No minimum balance
  • No monthly maintenance fee when enrolled in paperless statements
  • Up to 100 free transactionsD per monthD
  • $5,000 cash processing each monthD at no charge
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Business Banking I

Monthly maintenance fee: $25 or $0DD

Created for growing businesses that need flexibility

  • No monthly maintenance fee with an active First Citizens merchant services account, an open and active First Citizens Business credit card in good standing or a $25,000 average daily ledger balance
  • No statement fee when enrolled in paperless statements
  • Up to 250 free transactionsD per monthD
  • $10,000 cash processing each monthD at no charge
  • Customize your plan by adding one discounted treasury management product: Remote Deposit Capture with a free scanner, EDI reporting or fraud protection with ACH Positive Pay, Check Positive Pay or Reverse Positive Pay
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Business Banking II

Monthly maintenance fee: $50 or $0DD

Perfect for practices and firms

  • No monthly maintenance fee with an active First Citizens merchant services account, an open and active First Citizens Business credit card in good standing or a $50,000 average daily ledger balance
  • No statement fee when enrolled in paperless statements
  • Up to 500 free transactionsD per monthD
  • $15,000 cash processing each monthD at no charge
  • Customize your plan by adding up to two discounted treasury management products: Remote Deposit Capture with a free scanner, EDI reporting or fraud protection with ACH Positive Pay, Check Positive Pay or Reverse Positive Pay
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Business Banking III

Monthly maintenance fee: $75 or $0DD

Customize a package to meet your needs

  • No monthly maintenance fee with an active First Citizens merchant services account or a $75,000 average daily ledger balance
  • No statement fee when enrolled in paperless statements
  • Up to 750 free transactionsD per monthD
  • $20,000 cash processing each monthD at no charge
  • Customize your plan by adding up to three discounted treasury management products: Remote Deposit Capture with a free scanner, EDI reporting or fraud protection with ACH Positive Pay, Check Positive Pay or Reverse Positive Pay
Find a Branch , Opens in a new tab

Compare small business bank accounts

Here's a quick glance at our small business checking accounts to help you decide.

Business Banking

Business Banking I

Business Banking II

Business Banking III

Business bank account features

Essential checking

Moderate activity

Moderate activity

Frequent activity

Discounted Treasury Management services

0

1

2

3

Monthly fee

$0 when enrolled in paperless statementsD

$0 if requirementsDD are met; otherwise, $25

$0 if requirementsDD are met; otherwise, $50

$0 if requirementsDD are met; otherwise, $75

Minimum opening deposit

$100

$100

$100

$100

Monthly fee includes

100 itemsDD

250 itemsDD

500 itemsDD

750 itemsDD

In-network ATM feeD

$0

$0

$0

$0

Out-of-network ATM fee

$2.50

$2.50

$2.50

$2.50

Check recovery service

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Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with ACH and wires

Receive account and security alerts

Learn more about business digital banking
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send & transfer money with ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

Need something more specific for your business?

See if our Analysis or CORE business checking account solution is right for you.

CORE Business Checking

This business checking account is designed for—and only open to—small charitable organizations, small religious institutions and short-term end-of-life estate accounts.

  • No minimum balance requirement
  • No monthly maintenance fee
  • No per-item fees for the first 100 items processedDD
Learn more about CORE business checking accounts
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Analysis Business Checking

This commercial checking account is designed for companies with complex financial needs and those that need advanced treasury management services.

  • Reduce or eliminate service charges with a competitive Earnings Credit Rate
  • Group multiple analyzed accounts to consolidate balances and services
  • Receive a monthly detailed analysis statement
  • Access cash management services to manage cash flow
Learn more about analysis business checking accounts

Business Checking Account FAQ
People often ask us

A small business checking account is a type of bank account that allows you to deposit and withdraw funds, pay employees and manage your day-to-day financial activities. In addition, small business checking accounts come with extra perks designed just for small businesses.

To open a business checking account, you can talk with a financial services representative at your local branch.

The documentation you need to open a business checking account will vary based on your business type and needs. Our Business Account Requirements offer more information on the documents you'll need during the account opening process.

In order to open a business checking account, we require the business's federal Employee Identification Number, or EIN, for most business types. If your business is a sole proprietorship or you're the sole LLC member, a Social Security number is accepted. For complete requirements, please refer to our Business Account Requirements.

The minimum opening deposit for our business checking accounts is $100.

Yes. Our business checking accounts come with our Business Digital Banking services for fast, secure and easy banking access online. You can bank anywhere, anytime, 24 hours a day, 7 days a week.

Yes. Whether you need checks or accessories for your business checking account, we offer a quick and simple online ordering process through our supplier, Harland Clarke.

  • Access Harland Clarke—Check Ordering.
  • Log in with your routing or transit number and the account number from your checking account.
  • Don't know where to find these numbers? Don't worry—an example check is available for clarification.
  • Choose the checks and accessories you want to purchase.

If your name or address has changed—or if this is the first time you're ordering checks for your account—call us or visit your local branch to update your information or place your first order.

Small Business Banking Insights
Grow your business

Banking

Tips for choosing a business banking partner

Consider these factors when deciding on a financial partner for your business banking needs.
By opening a business bank account, you'll also start a relationship with a bank to help you achieve different goals as your business grows.
Cash Management

Why keep business and personal expenses separate?

Here's how keeping personal and business expenses separate actually benefits your business.
Mixing professional and personal funds could expose you to problems in a few key areas.
Cash Management

Best practices for cash reserves

Learn how to build a healthy cash reserve while continuing to invest in the growth of your small business.
Just like a personal emergency savings fund, the general rule of thumb for business cash reserves is to set aside 3 to 6 months' worth of operating expenses.

Account openings are subject to bank approval.

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

Paperless statements are required to avoid a paper statement fee.

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 250 items processed per statement period are free. Each item in excess of 250 per month is $0.50 per item. Items include all debits, credits and deposited items.

First 500 items processed per statement period are free. Each item in excess of 500 per month is $0.50 per item. Items include all debits, credits and deposited items.

First 100 items processed per statement period are free. Each item in excess of 100 per month is $0.50 per item. Items include all debits, credits and deposited items.

First 750 items processed per statement period are free. Each item in excess of 750 per month is $0.50 per item. Items include all debits, credits and deposited items.

Free coin and currency processing up to $5,000 per statement period. Deposits in excess of $5,000 per month are subject to a fee of $0.30 per $100 deposited. Other account and transaction-related fees may apply.

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.

Free coin and currency processing up to $15,000 per statement period. Deposits in excess of $15,000 per month are subject to a fee of $0.30 per $100 deposited. Other account and transaction-related fees may apply.

Free coin and currency processing up to $10,000 per statement period. Deposits in excess of $10,000 per month are subject to a fee of $0.30 per $100 deposited. Other account and transaction-related fees may apply.

Avoid the monthly maintenance fee by maintaining an active First Citizens Merchant Services account or an open and active First Citizens Business credit card in good standing, or maintain an average daily ledger balance of $25,000 for Business Banking I or $50,000 for Business Banking II.

Free coin and currency processing up to $20,000 per statement period. Deposits in excess of $20,000 per month are subject to a fee of $0.30 per $100 deposited. Other account and transaction-related fees may apply.

Avoid the monthly maintenance fee by maintaining an active First Citizens Merchant Services account or maintain an average daily ledger balance of $75,000 for Business Banking III.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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

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