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Business Essentials Checking

The bank account that grows as your business does.
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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

Account Benefits

When you choose First Bank checking, you choose easy-to-use benefits that simplify your business banking.
Digital Banking eStatements Bill Pay Account Alerts Reorder Checks Ready Reserve Mobile Wallet
First Bank Credit Card with Rewards being used on touchless payment pad. Coffee $15.60 Travel Expenses $784.87 Office Supplies $130.50
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.
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External Transfers Mobile Check Deposit Alerts & Approvals iPhone with First Bank accounts page
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.
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Fee Schedule
  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.

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