Skip to main content
Locate Branch or ATM cart
Locate Branch or ATM cart

Business First Checking

Designed to meet the comprehensive banking needs of a small business.

Business First Checking

Introducing Business First Checking, a comprehensive bundled solution designed to enhance your business cash flow. This package includes integrated and advanced reporting, fraud mitigation solutions, optimized accounts receivable, expense report and improved cash flow.

To Schedule an Appointment:

    • Security icon

      Fraud protection services included with ACH Debit Filter

    • No monthly fee icon

      No monthly service fee on your single feed scanner

    • Dollar Sign Crossed Out in Circle

      No monthly maintenance fee for ACH and Wire Transfer

    • Money bag

      Up to $25,000 monthly cash deposited without an additional fee

  • The Ultimate Small Business Checking Bundle Designed to Streamline Your Financial Management

    Enjoy waived monthly service fees with a $50,000 aggregated average ledger across up to four accounts, up to 600 free monthly transactions and $25,000 monthly cash deposits without additional fees1. Plus, benefit from complimentary fraud protection services, direct connectivity to QuickBooks/Quicken and no monthly maintenance fees for ACH, wire transfers and a single feed check scanner to make deposits at the convenience of your business.

    Key Account Details:

    • Up to 600 free monthly transactions2
    • Up to $25,000 monthly cash deposited per statement cycle without an additional fee3
    • Complimentary fraud protections services include ACH Debit Filter
    • No monthly service fee on your single feed scanner
    • No monthly maintenance fee for ACH and Wire Transfer
    • Direct connect into Quickbooks®/Quicken®
    • Same day ACH origination4
    • Business Online and FNB Business Mobile included - check balances, review transaction history and transfer funds between FNB accounts5

    Enjoy Reduced Fees:

    • Waive monthly service fee with $50,000 aggregated average ledger balances across up to four business checking accounts
    • Discounted ACH and wire stop payment fee

    Additional Benefits:

    • Free Online Bill Pay
    • Remote stop payment access
    • Electronic funds transfer
    • Merchant Services Benefits
    • Free online statements
    • ATM Network of over 1,600
    • Branch Network of approximately 350

  • Your Initial Deposit:

    • $0 Minimum Opening Balance (In-Branch)

    Required Identification:

    Depending on your type of organization, we may need one or more of the following documents when opening your account:

    • A government-issued ID
    • Your Social Security Number and/or EIN
    • A valid email address
    • Means to fund your account with a credit/debit card, checking or savings account

    Additionally, some organizations also may be required to provide one or more of the following:

    • Department of State printout
    • Proof of Tax-Exempt EIN
    • Articles of Incorporation
    • Membership Agreement
    • Certified Resolution
    • Partnership Agreement

    Important: If you don't already have a completed Resolution, download and complete FNB's Resolution.

    Optional Items:

    • If you would like to order checks, you may do so during the application process.

  • To select the offer below, add it to your cart to check out.

    1. man and woman looking at laptop
      Offer 1

      FNB Merchant Services | Enjoy up to $500 in statement credits

      Unlock Up to $500 in Statement Credits with FNB Merchant Services!

      Boost your small business with FNB Merchant Services and enjoy up to $500 in statement credits! Benefit from our omnichannel payment solutions, top-notch security and fraud protection, simple and transparent pricing, and industry-specific vertical integrations. This best-in-class service is designed to put businesses first, enhancing your ability to accept payments and manage your finances efficiently. Elevate your business operations with FNB today!

      *View DisclosuresPDF Document Icon

With any account, you also get the latest in digital technology:

Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

Browse all

Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

Compare all

Still not sure? Answer a few quick questions to help you find the right account.

Help me decide

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

  1. Article

    Fraud Control Measures

    While all businesses are vulnerable to fraud, small businesses have the highest median losses, primarily because they employ fewer...

  2. Article

    Cash (Flow) is King for Businesses

    Expediting collections is critical to efficient and effective treasury management. Greater efficiencies mean improved cash flow an...

  3. Article

    Tips for Successful Business Expansion

    Expanding a company can bring both excitement and uncertainty. A detailed business plan and comprehensive due diligence are integr...
Notices & Disclosures
1 - Consult your local FNB branch for the Business Fee Schedule. Fees subject to change.
2 - Per item fee in excess of 600 is $0.50.
3 - Over $25,000 in currency $0.25 per $100 deposited.
4 - Prefund required, same day deadline 1:00pm E.T.
5 - For the FNB Business Mobile Banking app data and carrier fees may apply.

0 items in your cart

Cart Proceed to Checkout

Product video