Online Banking Users: We have updated our online banking login. When you click the "Online Banking" button in the upper right corner, there is no longer a pop-up window. It now links directly to our login landing page instead.

Business Checking

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 - over 50 is $0.25 per item.
  • $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 - over 100 is $0.25 per item.
  • $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 - 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

*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.

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Bill Pay

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

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Mobile Deposit

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

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Check Images

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

eStatements

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

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Auto-Sweep Service

Have the ability to set a balance threshold for your business checking account. 

Learn more

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 purchaserolled 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.

Business Debit Card

Put away your checkbook and grab your debit card!

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Visa® Business Credit Card

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

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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

Manage your accounts payable and receivable with ease.

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Merchant Card Services

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

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Digital Deposit

Deposit electronically from the convenience of your desk.

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Wire Transfers

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

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Health Savings Account (HSA)

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

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Business Gift Card

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

Learn More

Other Business Options

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