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.

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
  • Free direct deposit
  • Free CashPoints® ATM network4
  • Rewards with your First Bank debit or credit card5

Account Fees

You can easily avoid the $10 maintenance fee by meeting the following requirement during the statement cycle:6

  • Maintain a $1,000 minimum balanceor
  • Maintain an average collected balance of $2,000
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
A business debit card with rewards.
Get more back for your business with 24/7 service and constant rewards, just for keeping your cash flow flexible.
See The Card
  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. Free ATM network includes First Bank and CashPoints® terminals. Out of network terminal owners may charge a service fee.
  5. When you enroll in the One Rewards Program.
  6. 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.
Trending Topics
Construction Loans 101: Adjustable Rates If you’re considering building a home, one of the more pressing concerns is the rate you’ll receive for a construction loan. For residents of the Carolinas and Virginia, First Bank*… 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… FHA Loans 101: 3 Major Requirements If you have a strong understanding of the FHA loan requirements, you’ll experience a quicker and smoother loan application process. FHA loans provide homebuyers of all income levels the opportunity… Anderson Creek Anderson Creek is an unincorporated community located just north of Spring Lake and Fort Bragg, North Carolina. Individuals and families that move to Anderson Creek will enjoy a world class golf… 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… Save Money with This Refinance Calculator for Home Mortgages When mortgage interest rates are low, homeowners should compare their current mortgage terms with the option of refinancing. By locking in the right rate, homeowners can take advantage of significant… 30-Year Mortgage Rate Forecast Tips A great way to lock in the best mortgage interest rate is to shop around. By learning how to read a 30-year mortgage rate forecast, homeowners can pinpoint an ideal… Commercial Loan Payment Calculator Are you interested in obtaining a commercial mortgage? A commercial loan calculator* can help determine your monthly payments. This is important because purchasing a location for your business is significant… 3 Major Factors of a Small Business Credit Card Comparison Conducting a small business credit card comparison can be a useful tool when looking for resources that can help your company. But there are many credit card options available to… ACH Positive Pay If you are a business owner, you should spend your time worrying about growing a successful business, not worrying about fraudulent transactions. That’s where ACH Positive Pay comes in. What…