Small Business Checking Account

Loyalty deserves appreciation, and that’s how this checking was designed.

• This account can be free if you maintain a $500 average balance each month, but that’s not the only option to make it free. We’ll waive the monthly fee if you maintain at least $10,000 in combined deposits, which include your business and personal checking, savings, and Money Market accounts. (A $10 fee will be assessed if you cannot meet these balances.)
• You have the opportunity to process 400 items at no cost which includes paid checks, deposits, deposited checks, direct deposits, and direct debits. Additional items are just $0.25 each.  
• Protect your account from overdrafts by tying it to your Savings, Money Market, or Line of Credit.

If you’re a sole proprietor or husband and wife partnership operating an unincorporated business, we can pay you interest too. 

• Interest is compounded and credited to the account on a monthly basis.
• No monthly fee when you maintain a $1,000 average balance each month or keep $10,000 in combined business and personal checking, savings and Money Market accounts. (A $10 fee will be assessed if the balance falls below $1,000.)

At FCCB, we believe a business checking should be simple to manage and provide easy access.

So, our Business Checking Account was designed with those goals in mind. But we also know that managing cash flow is critical so we help business owners find balance and success with our line of cash management services.

• View transactions, balances, and statements quickly with online banking. Transfer funds, create multi-user access, export data to financial software, and pay bills and vendors online.
  
  
• Automated Clearing House (ACH) Processing offers the convenience of Payroll Direct Deposit and can improve your cash flow by collecting payments on schedule and moving funds easily.
  
  
• Online Domestic Wire Processing lets you send funds quickly from our secure website. Set up templates for reoccurring wires and enable dual control for your protection.  
  
  
• Remote Deposit Capture means fewer trips to the bank. Deposit checks online and your funds will be available for use the next business day.
  
  
• Merchant Card Services gives customers more payment choices and maximizes sales opportunities. Avoid the hassle of checks returned for NSF.
  
  
• Business Credit Cards allow you to earn rewards or cashback and provides robust online reporting and customized card set up, including industry restrictions.

Our business services can help you save time, improve sales, and rest easy knowing your business is taken care of.