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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 Apply Online or Schedule an Appointment:

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Game-changing. Time-saving. Apply for multiple financial products simultaneously with our eStore® Common app.

    • 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 options of fraud protection services, direct connectivity to QuickBooks, ACH & wire transfers and a single feed check deposit scanner6 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
    • Business Online and FNB Business Mobile included — check balances, review transaction history and transfer funds between FNB accounts5
    • Free Online Bill Pay
    • Activate Web Connect for Quickbooks® online
    • Add fraud mitigation services such as ACH Debit Filter

    Additional Options to Select (opt-in):

    • Send ACH and Wire Transfer payments without an additional monthly maintenance fee4
    • Select a single feed scanner for remote check deposits
    • Add Merchant Services for fast, secure and more dependable payment options.

    Enjoy Reduced Fees:

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

    Additional Benefits:

    • Free online statements
    • ATM Network of over 1,600
    • Branch Network of approximately 350
    • Accept Instant Payment deposits
      • Instant Payments enable secure, real-time fund transfers to recipient accounts within seconds, operating continuously — 24 hours a day, 7 days a week, 365 days a year — via The Clearing House's RTP network and the Federal Reserve's FedNow service. Funds are immediately available to the recipient. Fees may apply.

  • 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.

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.

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

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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.
6 - Unless purchased with one or more Fraud Mitigation services, $25 added monthly fee applies.


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