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Business Checking

Business Checking Accounts

Compare our business checking accounts by toggling between them to discover which one is right for your business.

Take Advantage of FREE Included Options and check out Add-On Services for your business checking account.

 

Business Essential

Account Information
 

No Minimum Balance
No minimum amount to open or maintain account

50 Items FREE
An item is defined as a credit or debit - over 50 is $0.25 per item

$5.00 Paper Statement Fee*
Sign up for eStatements within Online Banking to waive fee.

Are you ready for the next step?

*Plus tax as applicable.

 

Business Enhanced

Account Information
 

No Minimum Balance
No minimum to open. $25 monthly fee if Average Collected Balance is below $5,000.

100 Items FREE
An item is defined as a credit or debit - over 100 is $0.25 per item

$5.00 Paper Statement Fee*
Sign up for eStatements within Online Banking to waive fee.

Are you ready for the next step?

*Plus tax as applicable.

 

Business Elite

Account Information
 

No Minimum Balance
No minimum to open. $25 monthly fee if Average Collected Balance is below $25,000.

200 Items FREE
An item is defined as a credit or debit - over 200 is $0.25 per item

$5.00 Paper Statement Fee*
Sign up for eStatements within Online Banking to waive fee.

Interest on your checking balance
Our best business checking rate

Are you ready for the next step?

*Plus tax as applicable.

What documents do you need to have to open your account?


  • Business Tax ID
  • Legal Documents indicating the ownership and structure(ie: Articles of Incorporation, Corporate By-Laws, Articles of Organization, Certificate of Organization, Partnership Agreement)
  • Non-Expired, Government Issued ID along with personal information such as physical address, phone number, etc.

Our Business Banking experts can help you find the right solution for your specific needs, regardless of whether you run a start-up, have an established business or work in agriculture.

Are you ready for the next step?


Take Advantage of FREE Included Options

Choose to add any or all of these FREE options to your business checking account.

Online & Mobile
Banking
Online & Mobile
Banking

Access your accounts 24/7 on your desktop or on-the-go with your mobile device.

Learn More

Bill Pay
Bill Pay

Simplify the way you pay bills-schedule regular payments or pay bills individually.

Learn More

Mobile Deposit
Mobile Deposit
 

Deposit a check into your bank account right from your smartphone using Mobile Deposit within the FCB mobile app.Learn More

Check Images
Check Images

Images of the checks written and the deposit tickets you use when you deposit.

eStatements
eStatements

Reduce paper, save money and sign up for eStatements within Online Banking.

Learn More

Auto-Sweep
Service
Auto-Sweep Service

Get flexibility in managing your account balances when you use our Auto-Sweep Service. 
Learn More

IntraFi® Network DepositsSM
 IntraFi® Network DepositsSM

A free service that grows your deposits of over $250,000 while receiving the protection of FDIC insurance. 
Learn More

Coin & Currency Service
Coin & Currency Service

Have large amounts of coin that you need turned in to dollar bills or need rolled coin?
Learn More

Positive Pay
Positive Pay

A web-based tool that can help combat check fraud and forgery. This tool is integrated with First Citizens Online Banking.

Night Deposit
Night Deposit

Make deposits after bank hours using our secure night deposit box.

Business Debit Card
Business Debit Card

Put away your checkbook and grab your debit card!

Learn More

Visa® Business
Credit Card
Visa® Business Credit Card

Get purchasing power, flexibility, and rewards with a credit card.

Learn More


Add-On Services for Your Business Checking

Let us help you manage your money while you grow your business -- with dependable, accurate and efficient services.

Direct Deposit/
ACH/Payroll
Direct Deposit/
ACH/Payroll

Manage your accounts payable and receivable with ease.

Learn More

Merchant Card Services
Merchant Card Services

ffer credit/debit cards as a payment option to your customers.

Learn More

Digital Deposit
Digital Deposit

Deposit electronically from the convenience of your desk.

Learn More

Wire Transfers
Wire Transfers

Transfer funds quickly and securely by wire both domestic and international.

Learn More

Health Savings Account (HSA)
HSA

Offers tax benefits to both their owners and to employers who choose to contribute to them.

Learn More

Business Gift Card
Business Gift Card

A First Citizens gift card is easy and convenient to give.

Learn More


Other Business Options