Our Holiday Hours: Closing at Noon on December 24th & CLOSED on December 25th for Christmas • Closing at 4:00pm (Kanawha closing at 3:00pm) on December 31st & CLOSED on January 1, 2025 for the new year. Happy Holidays! View all bank holidays
Checking Accounts for Your Business
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.
Business Essentials
- No Minimum Balance
No minimum amount to open or maintain account. - 50 Items FREE
An item is defined as a credit or debit (going in and out of the account) - over 50 is $0.25 per item. Items reset each month based on the statement cycle. - $5.00 Paper Statement Fee*
Sign up for eStatements within Online Banking to waive fee.
*Plus tax as applicable.
Business Enhanced
- 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 (going in and out of the account) - over 100 is $0.25 per item. Items reset each month based on the statement cycle. - $5.00 Paper Statement Fee*
Sign up for eStatements within Online Banking to waive fee.
*Plus tax as applicable.
Business Elite
- 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 (going in and out of the account) - over 200 is $0.25 per item. Items reset each month based on the statement cycle. - $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
*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.
Take Advantage of FREE Included Options
Choose to add any or all of these FREE options to your business checking account.
Online & Mobile Banking
Access your accounts 24/7 on your desktop or on-the-go with your mobile device.
Bill Pay
Simplify the way you pay bills-schedule regular payments or pay bills individually.
Mobile Deposit
Deposit a check into your bank account right from your smartphone using Mobile Deposit within the FCB mobile app.
Check Images
Images of the checks written and the deposit tickets you use when you deposit.
Auto-Sweep Service
Have the ability to set a balance threshold for your business checking account.
IntraFi® CDARS
A free service that grows your deposits of over $250,000 while receiving the protection of FDIC insurance. We manage all the paperwork, you receive one statement and one great rate.
Coin & Currency Service
Exchange your excess coin for currency or purchase rolled coin for your business use. This is a FREE service for our business customers. Check with your First Citizens location for any limits.
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
Make deposits after bank hours using our secure night deposit box.
Visa® Business Credit Card
Get purchasing power, flexibility, and rewards with a credit card.
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.
Card Processing Services
Offer credit and debit cards as a payment option to your customers.
Wire Transfers
Transfer funds quickly and securely by wire both domestic and international.
Health Savings Account (HSA)
Offers tax benefits to both their owners and to employers who choose to contribute to them.
