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Small Business Financial Solutions

Our business is helping yours grow.

Start with an affordable and convenient business checking account that provides all of the features you need in a primary business account.

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.

$200 MERCHANT SERVICES CREDIT

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

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    • Desktop and paper icon

      Free first order of checks (Iimitations apply)

    • 2 Arrows Pointing Opposite Direction

      500 free monthly transactions1

    • Stack of Money

      Business loan discounts, fee discounts and more

  • An Affordable and Convenient Account:

    You have big dreams for your small business. At FNB, we can help those dreams come true. Start with an affordable and convenient business checking account that provides all of the features you need in a primary business account.

    Key Account Details:

    • 500 free monthly transactions1
    • Free first order of checks (Iimitations apply)
    • Free paper statements with free check images; online statements available upon request
    • We assess a $29 monthly service charge for this account.1

    No Monthly Service Charge With:

    • $5,000 or more minimum daily balance in this account, or
    • $15,000 average daily balance in this account

    Additional Benefits:

    • Rate discount of 0.35% for new installment loans/lines of credit2
    • No annual fee Business Line of Credit 3
    • No transfer fee for advances from Business Line of Credit
    • $100 rebate of Merchant Services application fee
    • 30% discount on the purchase of merchant terminal equipment
    • Free Basic Remote Deposit Scanner ($35 value)
    • $10 discount on monthly remote deposit fee
    • No annual fee for Business Solutions Credit Card3

    Benefits For Your Employees:

    • Employees can open Health Savings Accounts with no initial set-up fee
    • Workplace Banking, an exclusive package of discounted financial services for your employees at no cost to you

    Convenient Access to Cash:

    • Surcharge-free cash access at more than 1,600 FNB ATMs

    Convenient Online Access4:

    • 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 Banking

  • 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.

  • Select your offer below and then add it to your cart to check out.

    1. man and woman looking at laptop
      Offer 1

      $200 FNB Merchant Services Credit

      Streamline Your Business Finances with Our Small Business Financial Solutions Checking Account Bundle Promotion!

      Upgrade to our Small Business Financial Solutions Checking account and enjoy the convenience of Business Online and Mobile Banking, complete with a check scanner for effortless check deposits from your home or office, all for just $35 per month. Additionally, benefit from a $200 merchant services statement credit, enhancing your financial management and boosting your business's efficiency. This offer is designed to simplify your deposits and optimize your financial operations, giving your business the edge it needs.

      *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.

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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 - 0.35% rate discount on new installment loan or line of credit with auto payment debit. No application fee or closing costs. Cannot be combined with any other offer.
3 - All lending products are subject to credit approval. 
4 - For the FNB Business Mobile Banking app data and carrier fees may apply.

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