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Submission: On January 07 via api from US — Scanned from US
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Form analysis 2 forms found in the DOM
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</form>Name: login-form — POST https://digitalbanking.firstcitizens.com/FCBTCOnline/uux.aspx#/login
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<div class="fcb-login__heading" role="heading" aria-level="2" id="login-form-0-welcome"> Welcome Back </div>
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Citizens Digital Banking<span role="textbox" aria-labelledby="login-type-dropdown__label"></span><span role="textbox" aria-labelledby="login-type-dropdown__label"></span></div>
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<div class="fcb-login__links">
<a rel="nofollow" href="https://digitalbanking.firstcitizens.com/FCBTC_AutoEnroll/SignUp.html" target="_self" class="fcb-login__links-link">
<span class="fcb-cta__link-text" aria-hidden="true">Enroll Now</span>
<span class="sr-only">Enroll in digital banking now</span>
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<div class="fcb-login__links-group">
<a rel="nofollow" href="https://digitalbanking.firstcitizens.com/FCBTC_ForgotLogin/ForgotUsername.html" target="_self" class="fcb-login__links-link">
<span class="fcb-cta__link-text" aria-hidden="true">Forgot ID</span>
<span class="sr-only">Select if you forgot your ID</span>
</a> / <a rel="nofollow" href="https://digitalbanking.firstcitizens.com/FCBTCOnline/uux.aspx#/login/resetPasswordUsername" target="_self" class="fcb-login__links-link">
<span class="fcb-cta__link-text" aria-hidden="true">Password?</span>
<span class="sr-only">Select if you forgot your password</span>
</a>
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</div>
<button type="SUBMIT" class="fcb-form-button fcb-cta__link analytics-primary-dark--dark fcb-cta__link--dark fcb-cta__link--primary fcb-cta__link--primary-dark" formtarget="_self" name="db-login-button">
<span>Log In</span>
<span class="sr-only">Select to log in to digital banking</span>
</button>
<div class="fcb-cta" data-component="callToAction">
<a rel="nofollow" class="fcb-cta__link fcb-cta__link--secondary fcb-cta__link--secondary-dark" target="_self" href="https://digitalbanking.firstcitizens.com/FCBTCOnline/uux.aspx#/login/resetPasswordUsername" data-analytics="First Time Log In">
<span class="fcb-cta__link-text" aria-hidden="true">First Time Log In</span>
<span class="sr-only">Select if this is your first time logging in to digital banking</span>
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<div class="fcb-login__bob" id="login-form-0-bob-login-fields" style="display: none;">
<div class="fcb-cta" data-component="callToAction">
<a rel="nofollow" class="fcb-cta__link fcb-cta__link--primary fcb-cta__link--primary-dark" target="_self" href="https://commercialadvantage.firstcitizens.com" data-analytics="Log In">
<span class="fcb-cta__link-text" aria-hidden="true"> Log In </span>
<span class="sr-only">Select to log in to Commercial Advantage</span>
</a>
</div>
</div>
<div class="fcb-login__wealth" id="login-form-0-wealth-login-fields" style="display: none;">
<div class="fcb-cta" data-component="callToAction">
<a rel="nofollow" class="fcb-cta__link fcb-cta__link--primary fcb-cta__link--primary-dark" target="_self" href="https://firstcitizens.wealthaccess.com/Account/Login" data-analytics="Log In">
<span class="fcb-cta__link-text" aria-hidden="true"> Log In </span>
<span class="sr-only">Login to Wealth</span>
</a>
</div>
</div>
</div>
</div>
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BUSINESS CHECKING ACCOUNTS
BUSINESS CHECKING SERVICES THAT MEET YOU WHERE YOU ARE
Deposits
--------------------------------------------------------------------------------
* Overview
* Digital Business Banking
--------------------------------------------------------------------------------
* Checking
* Savings
* Bank at Work Program
More
* Overview
* Digital Business Banking
* Checking
* Savings
* Bank at Work Program
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
Open Now Open a Business Banking account
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
Open Now Open a Business Banking I account
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
Open Now Open a Business Banking 2 Account
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
Open Now Open a Business Banking 3 Account
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 and transfer money using ACH and wires
Receive account and security alerts
Learn More 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 and transfer money using ACH and wires
Business Digital Banking
MANAGE YOUR BUSINESS ON THE GO
Receive account and security alerts
Learn More 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 Learn more about CORE business checking accounts
Find a Branch 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 Learn more about analysis business checking accounts
BUSINESS CHECKING ACCOUNT FAQ
PEOPLE OFTEN ASK US
What is a small business checking account?
A small business checking account is a type of bank account that allows you to
deposit and withdraw funds, pay employees and manage your day-to-day financial
activities. In addition, small business checking accounts come with extra perks
designed just for small businesses.
Can I open a business checking account online?
If you're an existing business customer, you can open a new business checking
account online if you meet the following criteria:
* You're an existing First Citizens business customer with a Business Digital
Banking login
* Your business structure is a sole proprietorship, LLC or corporation
If you're a new business customer or don't meet the above criteria, you can open
a new business checking account in person at your local branch, Opens in a new
tab.
What documentation is required to open a business checking account?
The documentation you need to open a business checking account will vary based
on your business type and needs. Our Business Account Requirements offer more
information on the documents you'll need during the account opening process.
Is a Social Security number required to open a business checking account?
In order to open a business checking account, we require the business's federal
Employee Identification Number, or EIN, for most business types. If your
business is a sole proprietorship or you're the sole LLC member, a Social
Security number is accepted. For complete requirements, please refer to our
Business Account Requirements.
What's the minimum opening deposit for business checking accounts?
The minimum opening deposit for our business checking accounts is $100.
Can I review and make transactions with my business checking account online?
Yes. Our business checking accounts come with our Business Digital Banking
services for fast, secure and easy banking access online. You can bank anywhere,
anytime, 24 hours a day, 7 days a week.
Can I reorder checks online for my business account?
Yes. Whether you need checks or accessories for your business checking account,
we offer a quick and simple online ordering process through our supplier,
Harland Clarke.
* Access Harland Clarke—Check Ordering, Opens in a new tab.
* Log in with your routing or transit number and the account number from your
checking account.
* Don't know where to find these numbers? Don't worry—an example check is
available for clarification.
* Choose the checks and accessories you want to purchase.
If your name or address has changed—or if this is the first time you're ordering
checks for your account—call us or visit your local branch, Opens in a new tab
to update your information or place your first order.
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.
Disclosures
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 with an active First Citizens merchant
account 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
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First Citizens Receivables, Opens in a new tab
FXEnvoy, Opens in a new tab
Integrated Payables, Opens in a new tab
Lockbox - Online Treasury Solutions, Opens in a new tab
Lockbox Portal, Opens in a new tab
Profile Manager, Opens in a new tab
Remote Deposit Capture, Opens in a new tab
Investment & Retirement Services
Financial Planning Tool, Opens in a new tab
Online Brokerage, Opens in a new tab
Portfolio Online, Opens in a new tab
Retirement Plan Access, Opens in a new tab
Stellar Technology - Fund, Opens in a new tab
Community Association Banking
Pay HOA Fees, Opens in a new tab
Equipment Financing & Leasing
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Customers with account-related questions who aren't enrolled in Digital Banking
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Open a Business Banking II Account
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EXISTING BUSINESS CUSTOMERS
You can open an account online if you meet the following criteria:
* You're an existing First Citizens business customer with a Business Digital
Banking login
* Your business structure is a sole proprietorship, LLC or corporation
If you don't meet these requirements, please visit your local branch to open a
new account in person.
Open a Business Banking II Account , Opens in a new tab
NEW BUSINESS CUSTOMERS
Visit your local branch to open your new business account in person.
Find a Branch , Opens in a new tab
Open a Business Banking I Account
LET'S GET STARTED
EXISTING BUSINESS CUSTOMERS
You can open an account online if you meet the following criteria:
* You're an existing First Citizens business customer with a Business Digital
Banking login
* Your business structure is a sole proprietorship, LLC or corporation
If you don't meet these requirements, please visit your local branch to open a
new account in person.
Open a Business Banking I Account , Opens in a new tab
NEW BUSINESS CUSTOMERS
Visit your local branch to open your new business account in person.
Find a Branch , Opens in a new tab
Open a Business Banking Account
LET'S GET STARTED
EXISTING BUSINESS CUSTOMERS
You can open an account online if you meet the following criteria:
* You're an existing First Citizens business customer with a Business Digital
Banking login
* Your business structure is a sole proprietorship, LLC or corporation
If you don't meet these requirements, please visit your local branch to open a
new account in person.
Open a Business Banking Account , Opens in a new tab
NEW BUSINESS CUSTOMERS
Visit your local branch to open your new business account in person.
Find a Branch , Opens in a new tab
Open a Business Banking III Account
LET'S GET STARTED
EXISTING BUSINESS CUSTOMERS
You can open an account online if you meet the following criteria:
* You're an existing First Citizens business customer with a Business Digital
Banking login
* Your business structure is a sole proprietorship, LLC or corporation
If you don't meet these requirements, please visit your local branch to open a
new account in person.
Open a Business Banking III Account , Opens in a new tab
NEW BUSINESS CUSTOMERS
Visit your local branch to open your new business account in person.
Find a Branch , Opens in a new tab
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