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 (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.

Are you ready for the next step?

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 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.