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

Business Banking

Monthly maintenance fee: $01

Ideal for businesses just getting started

  • No minimum balance
  • No monthly maintenance fee when enrolled in paperless statements
  • Up to 100 free transactions2 per month3
  • $5,000 cash processing each month4 at no charge

Business Banking I

Monthly maintenance fee: $25 or $015

Created for growing businesses that need flexibility

  • No monthly maintenance fee with an active First Citizens merchant services account or a $25,000 average daily ledger balance
  • No statement fee when enrolled in paperless statements
  • Up to 250 free transactions2 per month6
  • $10,000 cash processing each month7 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

Business Banking II

Monthly maintenance fee: $50 or $015

Perfect for practices and firms

  • No monthly maintenance fee with an active First Citizens merchant services account or a $50,000 average daily ledger balance
  • No statement fee when enrolled in paperless statements
  • Up to 500 free transactions2 per month8
  • $15,000 cash processing each month9 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

Business Banking III

Monthly maintenance fee: $75 or $015

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 transactions2 per month10
  • $20,000 cash processing each month11 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

Compare accounts

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

Business Banking

Business Banking I

Business Banking II

Business Banking III

Features

Essential checking

Moderate activity

Moderate activity

Frequent activity

Discounted Treasury Management services

0

1

2

3

Monthly fee

$0 when enrolled in paperless statements1

$0 if requirements15 are met; otherwise, $25

$0 if requirements15 are met; otherwise, $50

$0 if requirements15 are met; otherwise, $75

Minimum opening deposit

$100

$100

$100

$100

Monthly fee includes

100 items23

250 items26

500 items28

750 items210

In-network ATM fee12

$0

$0

$0

$0

Out-of-network ATM fee

$2.50

$2.50

$2.50

$2.50

Check recovery service

Yes

 Yes

 Yes

 Yes
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 processed23
Learn more about CORE business checking accounts
Find a First Citizens branch , Opens in a new tab

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

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 normal bank approval.

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

1. Paperless statements are required to avoid a paper statement fee.

2. 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.

3. 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.

4. 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.

5. 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, $50,000 for Business Banking II or $75,000 for Business Banking III.

6. 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.

7. 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.

8. 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.

9. 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.

10. 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.

11. 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.

12. 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.

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.

NMLSR ID 503941