Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Back
Scroll to top

Business Essentials Checking

The bank account that grows as your business does.
Women’s blouses hanging in small retail store.

Small businesses, prepare for success.

Small businesses are the heart of the Carolinas. That’s why we’ve designed this account: robust digital banking tools, up to 250 free transactions each month, and more. Your success is our success.

Perfect for you if:
  • You own a small or mid-sized business.
  • You want personalized banking service.
  • You’re looking for a flexible account that will support your growth.

Account Features

  • 250 free transactions per month1
  • Up to $10,000 cash or coin/currency deposits at no charge2
  • Free digital banking3
  • Free online bill pay
  • Free 24-hour telephone banking
  • Free eStatements or paper statements

Account Fees

You can easily avoid the $10 maintenance fee by meeting the following requirement during the statement cycle:4

  • Maintain a $1,000 minimum balanceor
  • Maintain an average collected balance of $2,000
Mastercard Business Card with Rewards
Earn points to use towards rewards for every dollar you spend on qualified everyday expenses, like travel, overhead, and insurance.
Start Earning
Business doesn’t sleep. Neither should your bank.
When you own a business, you may need your bank at any time. That’s what First Bank digital banking is for.
Find Out More
  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 250 per statement cycle (or month).
  2. A fee of $0.18 per $100 on all additional cash deposits.
  3. While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply.
  4. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep if Fee Free™ section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule, which is also available at your local branch.

Featured Articles

First Bank Card

With a First Bank card, you can feel confident that you are obtaining a bank card that is secure and convenient. Are you one of the 194 million people who already have a debit card? Get the most out of your card today with...

Business Owners: Put Automation to Work for You

A year ago today, Ann was a totally different entrepreneur. Her title might have been Owner of Little Genius Tutoring, but her to-do list didn’t quite match. She was trying frantically to keep all her students and...

Your Community Bank

If you live in North Carolina or South Carolina, you have a ton of banking options right outside your door. Large financial institutions may seem like your best option for banking services at first, but community banks...

Defeat the Fraudsters: Protect Yourself Against Account Fraud

Account takeover fraud is a form of identity theft where a fraudster gains access to a victim’s accounts and personal information. They can then use the information to perform a number of different fraudulent acts,...

What Are Mobile Merchant Services?

If you own a business, you know how essential technology is to making it run smoothly. You may have even asked the question, “What are mobile merchant services?” Read more to figure out what mobile merchant services are...

A Complete Guide to Business Loans

Owning a business comes with tremendous opportunity, but it also takes significant amounts of discipline, time, effort, and of course, money. Whether you are running a major corporation or starting a small business from...

Compare First Bank Checking Accounts

If you’ve begun the process to compare bank accounts, it’s important that you review the options that differentiate them. Fortunately, you have a local partner in First Bank — a bank that offers a variety of checking...

4 Questions to Ask Yourself as a Business Owner

As a business owner, there are an endless number of questions you could be asking yourself to keep your business on the right path. Here are four questions that successful business owners consider when planning for the...

Where to Get Payroll Services

If you are wondering where to get payroll services, consider First Bank. With First Bank’s payroll services, you can: Reduce expenses associated with paper-based payment systems like printing and storing of checks. Manage...

Credit Card Processing for Businesses

If you are a business owner, you probably know that accepting multiple forms of payment (cash, debit, credit, and checks) is important. But you may not know just how essential credit card processing is to the success of...