As a small business owner, you know how to identify exceptional value. That's why a First Bank Small Business Checking Account should catch your eye. It's simple, cost-effective, and built for entities with lighter transaction volumes wanting convenience without the cost. Small Business Checking is designed for small businesses, non-profit organizations, sole proprietorships, and other business entities with low transaction volumes.
- Open an account with $100.
- Access business funds with a free First Bank Titanium Debit Mastercard BusinessCards® for you and your authorized users.
- Use over 55,000 ATMs worldwide with no surcharge fee.1
- Manage funds from anywhere easily in Business eBanking (BeB) and free Mobile Banking with the First Bank Biz To Go mobile app.2
- Take advantage of free Business eBanking for a single user with up to three deposit and loan accounts.2 Plus, free eStatements for all Business eBanking packages.3
- Add services to a Business eBanking package such as ACH Origination, Wire Transfer Services, Remote Deposit Services, Positive Pay Services, and much more.4
- Enjoy the first 75 items per month with no charge, and there is no monthly Account Maintenance Fee.5
- Avoid a Deposit Assessment Fee or Inactivity Fee if certain requirements are met.5
- Add Bill Pay Service and Mobile Deposit Service to your Business eBanking package for no additional cost.6
1Surcharge-fee-free access to cash at over 55,000 ATMs worldwide that are in the Allpoint® Network. The Non-First Bank ATM Withdrawal Fee does not apply. International ATM withdrawals may be subject to the International Transaction Service Charge. See the Schedule of Fees for more information.
2The basic BeB package for a single user with up to three deposit and loan accounts is free, and First Bank offers a Flexible and Premier package for multiple users, more accounts, and additional features for a fee. See the Business Electronic Banking and Treasury Management Schedule of Fees for more information.
3eStatements are available upon enrollment in Business eBanking. This account has a fee for receiving a paper statement in the U.S. Mail. In BeB, you can choose to go Paperless and no longer receive a paper statement in the U.S. Mail.
4All BeB packages include Internal Transfers, Check Images, Mobile Banking (view only), eStatements (Deposit accounts, Loan accounts, and Account Analysis), Stop Payment Account Alerts, Secure Messaging, QuickBooks, and User Administration (not included in Single package). See the Business Electronic Banking and Treasury Management Schedule of Fees for additional services.
5During a monthly analysis/statement period: (1) There is no fixed Account Maintenance Fee; (2) A Deposit Assessment Fee of $0.0085 per $100.00 may be charged; If the Average Collected Balance cycle-to-date is over $500,000, the Deposit Assessment Fee is calculated on the Entire Average Collected Balance for the cycle; If the Average Collected Balance cycle-to-date is $500,000 or less, there is no Deposit Assessment Fee charged; (3) An Inactivity Fee may be charged if the Average Ledger Balance cycle-to-date is less than $1,000 and no debit or credits post during the cycle; (4) Fees include a Cash Handling Fee on the dollar amount of cash deposit and withdrawal transactions over $10,000; (5) For Depository Services, there is no Transaction Fee for the first 75 items that post to your account, and each item above 75 is charged $0.53 each. Items include all deposited items (including deposit slips) from all available sources and other credits to the account (including ACH and RTP credits). Items include withdrawals (excluding ATM and debit card transactions) and other debits from the account (including checks and items that post as ACH or RTP debits). Fees are calculated through our Business Account Analysis system monthly. See the Commercial & Business Banking Account Fees for more information.
6When you enroll in a BeB package, you can request the Bill Pay Service and Mobile Deposit Service for no additional charge. Each check and electronic remittance payment sent via Bill Pay and each check deposited via Mobile Deposit are counted as items when our Business Account Analysis system calculates the Depository Services Fees for this account. See footnote 5 above.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
2The basic BeB package for a single user with up to three deposit and loan accounts is free, and First Bank offers a Flexible and Premier package for multiple users, more accounts, and additional features for a fee. See the Business Electronic Banking and Treasury Management Schedule of Fees for more information.
3eStatements are available upon enrollment in Business eBanking. This account has a fee for receiving a paper statement in the U.S. Mail. In BeB, you can choose to go Paperless and no longer receive a paper statement in the U.S. Mail.
4All BeB packages include Internal Transfers, Check Images, Mobile Banking (view only), eStatements (Deposit accounts, Loan accounts, and Account Analysis), Stop Payment Account Alerts, Secure Messaging, QuickBooks, and User Administration (not included in Single package). See the Business Electronic Banking and Treasury Management Schedule of Fees for additional services.
5During a monthly analysis/statement period: (1) There is no fixed Account Maintenance Fee; (2) A Deposit Assessment Fee of $0.0085 per $100.00 may be charged; If the Average Collected Balance cycle-to-date is over $500,000, the Deposit Assessment Fee is calculated on the Entire Average Collected Balance for the cycle; If the Average Collected Balance cycle-to-date is $500,000 or less, there is no Deposit Assessment Fee charged; (3) An Inactivity Fee may be charged if the Average Ledger Balance cycle-to-date is less than $1,000 and no debit or credits post during the cycle; (4) Fees include a Cash Handling Fee on the dollar amount of cash deposit and withdrawal transactions over $10,000; (5) For Depository Services, there is no Transaction Fee for the first 75 items that post to your account, and each item above 75 is charged $0.53 each. Items include all deposited items (including deposit slips) from all available sources and other credits to the account (including ACH and RTP credits). Items include withdrawals (excluding ATM and debit card transactions) and other debits from the account (including checks and items that post as ACH or RTP debits). Fees are calculated through our Business Account Analysis system monthly. See the Commercial & Business Banking Account Fees for more information.
6When you enroll in a BeB package, you can request the Bill Pay Service and Mobile Deposit Service for no additional charge. Each check and electronic remittance payment sent via Bill Pay and each check deposited via Mobile Deposit are counted as items when our Business Account Analysis system calculates the Depository Services Fees for this account. See footnote 5 above.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.