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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:
  • • Active Merchant Services with First Bank’s partner, BASYS
  • • Active Business Credit Card6
  • • First Bank Payroll Direct Deposit Services
  • • Maintain an average collected balance of $50,000 or more
$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

Get help finding the right checking account.
Let us help you narrow down the perfect account for you.
  1. 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.
  2. Eligible personal deposits include checking, savings, Money Market, CD, or IRA. Eligible personal loans do not include residential mortgage loans.
  3. 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.
  4. While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply.
  5. A fee of $0.18 per $100 on all additional cash deposits.
  6. Active qualifies as one or more transactions on a monthly basis.
  7. Benefits require registration/activation.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. $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.
  13. 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.

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