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Compare Checking Accounts
Which checking account is right for you?
Compare features of all our business checking accounts to find the right fit. Whether you want a simple account or one that earns you interest, you’ll find something here that meets your needs.
WAYS TO KEEP IT FEE FREE ™
| Checking Account | Business Essentials | Business Interest | Business Advantage | Business Elite | Community Checking | Commercial Analysis |
|---|---|---|---|---|---|---|
| Minimum Daily Balance Required | $1,000 | $2,000 | $3,000 |
Have one or more of the following products:
|
$0 |
An earnings credit may allow you to offset service fees with a monthly credit based on your account balance Ask for additional details |
| Average Balance Required | $2,000 | $4,000 | $6,000 | n/a | ||
| Combined Relationship | n/a | n/a | $50,000 in personal or business deposits OR outstanding personal loan, HELOC or business loan balances2 | n/a | ||
|
Monthly Maintenance Fee1
(if unable to meet one of the above criteria) |
$10 | $15 | $25 | $30 | $0 | n/a |
| Transactions | 250 free, $0.40 for each additional item3 | 250 free, $0.40 for each additional item3 | 500 free, $0.40 for each additional item3 | 500 free, $0.40 for each additional item3 | 50 free, $0.40 for each additional item3 | n/a |
| Interest Paid | No | Yes | No | No | No | No |
| Additional Benefits |
Seamless digital banking from desktop to mobile4 Bill Pay services Up to $10,000 cash deposited free5 |
Earn interest on your account balance
Seamless digital banking from desktop to mobile4
Bill Pay services Up to $10,000 cash deposited free5 |
Up to $25,000 cash or coin deposited fee free5
Seamless digital banking from desktop to mobile4
Bill Pay services |
Eligible for premium mobile check deposit limits Up to $25,000 cash or coin deposited fee free5 Small Business Monitoring7 & Identity Fraud Resolution Services8 Data Breach Solutions9 and Identity Theft Expense Reimbursement Coverage10,11
Cell phone protection10,12
Free first order of business Intropack checks Seamless digital banking from desktop to mobile4 Mastercard® Zero Liability Protection: Unauthorized charges on your debit card are not your responsibility Bill Pay services Telehealth for you and your employees7,13 Legal Services11 |
Free basic online banking Bill Pay services
Seamless digital banking from desktop to mobile4
Up to $2,000 cash deposited free5 |
Custom programs for large business needs Earn credits to offset fees
Seamless digital banking from desktop to mobile4
Bill Pay services |
Explore the digital tools included with every account
Mobile Wallet
Take your bank with you.
Mobile App
Access your accounts, pay bills and more – all from your phone.
Mobile Check Deposit
Snap a picture, deposit a check.
Bill Pay
Schedule your payment and we’ll do the rest.
Text Banking
Check balances, transfer money and get transaction histories via text.
External Transfers
Move money without your checkbook.
eStatements
Go green and skip the printed statement.
Account Alerts
Get customizable alerts via text, email or both.
- Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Account Fees section of the page listing 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.
- Eligible personal deposits include checking, savings, Money Market, CD, or IRA. Eligible personal loans do not include residential mortgage loans.
- 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.
- While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply.
- A fee of $0.18 per $100 on all additional cash deposits.
- Active qualifies as one or more transactions on a monthly basis.
- Benefits require registration/activation.
- 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.
- 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.
- 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 offered through the company named in the Guide to Benefit or on the insurance document. 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. Expense reimbursement does not cover unauthorized electronic transfers related to the business.
- 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.
- $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.
- 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. Member FDIC.