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    • Percent Sign in Circle

      Earn interest on collected balances

    • Graph with Arrow pointing upwards

      Higher interest with higher balances

    • Check being written

      Limited check writing available1

  • The More You Invest, the Higher Your Rate:

    Increase your interest income by keeping the majority of your working capital in a FirstRate Business Money Market account and transfer funds as needed into your business checking account. Increased balances earn increased rates to maximize your cash flow.

    Key Account Details:

    • Earn interest on your daily collected balance
    • With a tiered interest rate, earn more interest with higher balances
    • Limited check writing available1
    • We charge a $10 monthly service charge for this account.2

    No Monthly Service Charge With:

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

    Benefits For Your Employees:

    • 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 1,100 FNB ATMs1

    Convenient Online Access3:

    • 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 Banking
    Interest Rates Please enter a Zip Code to view rates in your area.

  • 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.

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

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Notices & Disclosures
1 - No more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle including transfers to another account of the depositor at the same institution or to a third party by means of preauthorized, telephone or automatic transfer, or by check, draft, debit card. Excess Transfer fee of $15.00 will be assessed for each transaction in excess of the prescribed limits. You can make unlimited deposits and withdrawals at a branch or ATM. Failure to follow the transfer limitations may result in converting your interest bearing account to a non-interest bearing product type.
2 - Consult your local FNB branch for more information regarding the Business Fee Schedule. Fees subject to change.
3 - For the FNB Business Mobile Banking app data and carrier fees may apply.

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