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Accelerate growth with Business Elite Checking.

Get built-in cash flow tools and merchant processing solutions to boost your bottom line.
Business woman at her laptop smiling.

Banking that goes the extra mile for you and your employees.

Business Elite was specifically built for growing businesses like yours. It includes benefits to make business owners’ lives easier, plus perks you can pass along to your team.

Perfect for you if:
  • You own a small or mid-sized business.
  • You want extra security protections.
  • You currently use our Treasury Services or Business Credit Card.

Account Features

  • 500 free transactions per month1
  • Up to $25,000 cash or coin/currency deposits at no charge2
  • Free first order of business Intropack checks
  • Eligible for the Small Business Bundle personal checking account
  • Enhanced access to Treasury Services, like payment solutions and credit card processing

Account Fees

You can easily avoid the $30 maintenance fee by having one or more of the following products:3

  • Active Merchant Services with First Bank’s partner, BASYS
  • Active Business Credit Card4
  • First Bank Payroll Direct Deposit Services
  • Maintain an average collected balance of $50,000 or more

Provide your employees and yourself with more benefits.

Telehealth appointment with a doctor on a smartphone helping a customer.
Telehealth5,6
Access to 24/7 video or phone visits with U.S.-based board-certified, licensed, and credentialed doctors ready to help with urgent care or mental health for you and your family. All with zero copays.
First Bank's spending tracker on a smartphone screen.
Better Banking
Help your employees keep what they’ve earned with a no-hassle First@Work checking account that includes money management and financial education tools.
An airport interior with a plane taking off outside of the window.
InstaDeals™7
Enjoy money-saving discounts from thousands of local and national travel and leisure businesses.

Keep your life and business running smoothly.

First Bank's mobile check deposit in action on a smartphone.
Mobile Deposits
Get an account that can keep up with your business. A Business Elite Checking account makes you eligible for premium mobile check deposit limits.
A judge's gavel with the scales of justice in the background.
Legal Services8
Access a network of attorneys to consult on new legal matters, review documents, make calls, or draft collection letters on behalf of your business. Additional legal services are available at a 40% discount.
Identity protection screen showing username and password fields.
Identity Protection9
Stress less with Identity Fraud Resolution Services that assign a dedicated fraud specialist to you to manage your case until your identity is restored.
Benefits for Your Business
Data Breach Solutions10
Data breach readiness, response, and resolution plan for your business and customers, including consultation with a data breach specialist in the event your business suffers a data breach.
Legal Services8
Access a network of attorneys offering unlimited initial phone consultations for new legal matters, legal review of up to five documents each quarter, two outbound calls or draft letters on behalf of your business per month, up to 10 collection letters monthly, and up to 30-minute, face-to-face consultations for each new legal matter. Additional legal services are available at a 40% discount.
Small Business Monitoring6
Defend your business by monitoring the depths of the web for compromised business and personal information and get alerted promptly if we find a match. Restore your identity with access to specialists who can help determine if there has been identity theft and guide you through the necessary restoration activities.
Private Wi-Fi6,11
Advanced security so you can connect with confidence from anywhere.

Benefits for Business Owners9
Identity Fraud Resolution Services
Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
Identity Theft Expense Reimbursement Coverage8,12
Receive up to $1,000,000 to help pay expenses, clear your name, and restore your identity, should you become the victim of identity fraud.
Credit File Monitoring6
Daily credit file monitoring and automated alerts of key changes to your credit report.
Credit Report and Score6,13
Access to credit report and credit scores.
Social Media Monitoring6
Help protect yourself from hacked accounts, online risks, and reputational damage with monitoring for indicators of an account takeover. When detected, you are alerted so you can safeguard your accounts.
High-Risk Transactions Monitoring6,14
Get alerted if someone is using your identity to conduct a high-risk transaction at hundreds of participating banks, brokerages, payment services, cellular providers, insurance companies, retailers, and more.
Cell Phone Protection8,15
Receive up to $800 of replacement or repair costs if your personal cell phone is stolen or damaged.
Earn rewards quickly.

Earn 15,000 rewards points for new Mastercard® Business Card with Rewards Cardholders after $500+ in credit card purchases:16

  1. Step 1: Open a Mastercard® Business Card with Rewards
  2. Step 2. Activate your credit card and spend $500+ in purchases within 45 days
Start Earning
Ready to get started?
Reaching new heights together
Enjoy one-on-one attention and comprehensive support from our entire team of business experts. We’re here to help you flourish on your path to success.
Let’s team up
  1. A transaction is defined as any checks paid, deposits, each deposited item, ATM withdrawals, debit card transactions, online and telephone funds transfers, and ACH debits and credits. There is a fee of $0.40 per item for each item in excess of 500 per monthly statement cycle.
  2. A fee of $0.18 per $100 on all additional cash deposits.
  3. Other account service fees may apply as described in the Business Account Services Fee Schedule.
  4. Active qualifies as one or more transactions on a monthly basis.
  5. Available to Business Owner(s) and Employees and their spouse/domestic partner and up to six (6) dependent children aged 2 and older. This is NOT insurance.
  6. Benefits require registration/activation.
  7. Available via mobile or web only.
  8. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and/or insurance documents can be found on Elite.MyBusinessSense.com. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
  9. Eligibility: Benefits are available to primary checking account owner and one (1) additional account owner (“Business Owner(s)”). Benefits are not available to a “signer” on the account who is not an account owner or Business Owner.
  10. Includes assistance with the customer notification process and resolution assistance for customers if they are compromised by your breach. Resolution assistance is limited to up to 25,000 customers for verified identity fraud only.
  11. Uses the Business Sense Private Wi-Fi’s Virtual Private Network with 256-bit SSL encryption. Activates automatically if an unsecure network is detected and comes with ten (10) available downloads for use on business devices. Compatible with AppleTM, WindowsTM, and AndroidTM. Laptops: Windows running Windows 10 and above and Macs running OS X 10.10 Yosemite and above. Tablets and Smartphones: Android Phone and tablet devices running Android 6 and above and Apple iPhone, iPod, and iPad devices running iOS 12 and above.
  12. Identity Theft Protection services are for personal identity fraud for the business owner. Expense reimbursement does not cover unauthorized electronic fund transfers related to the business. Small Business Monitoring and/or Credit File Monitoring of the Business Owner’s personal information must be active at the time of discovery of the identity theft event.
  13. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
  14. Alerts are provided by email and optional SMS text and may include new accounts, password resets, name and/or address changes, and funds transfers.
  15. $50 deductible applies. Maximum of two claims and $1,000 per Business Elite Checking account per 12-month period. Covers up to four phones on a cell phone bill paid through your eligible account. Cell phone bill must be paid using any First Bank checking, savings, or credit card account.
  16. Credit cards are subject to credit approval. To receive 15,000 (a $150 value) First Bank rewards points, card owners must open and activate a Mastercard® Business Card with Rewards and spend $500 or more within 45 days of opening. Bonus rewards points awarded through this promotion will be credited to your account within 60 business days of qualifying for the bonus. To access your bonus points, visit the First Bank One Rewards program through online or mobile banking. This offer is for new cardholders only. Please see the One Rewards Program Terms and Conditions for full details.

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