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.
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Bill Pay
Bill Pay
Simplify the way you pay bills-schedule regular payments or pay bills individually.
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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.
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Auto-Sweep
Service
Auto-Sweep Service
Get flexibility in managing your account balances when you use our Auto-Sweep Service.
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IntraFi® Network DepositsSM
IntraFi® Network DepositsSM
A free service that grows your deposits of over $250,000 while receiving the protection of FDIC insurance.
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Coin & Currency Service
Coin & Currency Service
Have large amounts of coin that you need turned in to dollar bills or need rolled coin?
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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
Merchant Card Services
Digital Deposit
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.
Business Gift Card
Business Gift Card
A First Citizens gift card is easy and convenient to give.
Learn More


