Free Small Business Checking Accounts

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

$200 MERCHANT SERVICES CREDIT

Streamline Your Business Finances
June 1 - Sept. 30, 2025

Learn More

- No monthly service charge
- Free paper and online statements
- 150 free monthly transactions¹
An Account to Help You Grow:

How can a checking account help a business grow? By saving you money and keeping things simple. The way we look at it, a healthy, growing local business is good for everybody. After all, we're all part of the same community. Free Small Business Checking is just one way we do our part.

Key Account Details:
- No monthly service charge
- 150 free monthly transactions¹
- $5,000 cash deposits monthly
- $200 Merchant Services Credit
Convenient Access to Cash:
- Surcharge-free cash access at more than 1,600 FNB ATMs
Convenient Online Access:
- Free paper and online statements with free check images
- Make convenient deposits at FNB branches, ATMs or through the FNB Business Mobile app
- Enjoy convenient access and robust capabilities with Business Online Banking, FNB Business Mobile app and Telephone Banking²
Your Initial Deposit:
- $50 Minimum Opening Balance (Online); $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.
- If you would like a debit card, download and complete FNB's Business Debit Card Application. You can upload the completed document during the application process. After the account is opened, the debit card will be mailed to you within 5-7 business days. If you need your card sooner, you can pick one up immediately at your local FNB branch.
To select the offer below, add it to your cart to check out.
1. Offer 1
  
  $200 FNB Merchant Services Credit
  
  Unlock Convenience and Savings with Our Free Small Business Checking Account Promotion!
  
  Take advantage of our Free Small Business Checking account and elevate your banking experience with Business Online and Mobile Banking, including a check scanner for seamless check payments from home or office, all for just $35 per month. Plus, enjoy a $200 merchant services statement credit to boost your business's financial efficiency. Don't miss out on this incredible offer designed to simplify and enhance your business operations.
  
  *View Disclosures

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.

Notices & Disclosures

1 - Consult your local FNB branch for the Business Fee Schedule. Fees subject to change.
2 - For the FNB Business Mobile Banking app data and carrier fees may apply.

Free Small Business Checking

$200 MERCHANT SERVICES CREDIT

An Account to Help You Grow:

Key Account Details:

Convenient Access to Cash:

Convenient Online Access:

Your Initial Deposit:

Required Identification:

Optional Items:

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

Offer 1

$200 FNB Merchant Services Credit

Unlock Convenience and Savings with Our Free Small Business Checking Account Promotion!

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

Products With You In Mind

Framework for Long-Term Growth

SBA Financing for Your Business