Checking Accounts for Businesses of Any Size
Every business owner needs something different from their checking account. Some want a standard, low-fee account for easy day-to-day debits and deposits. Others want an account that rewards higher balances with tiered interest rates. Whatever you're looking for, FNBCC has an option to fit your business — and every account comes with:
- Free online and mobile banking
- Instant-issue debit cards
- Free telephone banking
- Free check images on eStatements
- Check-writing privileges
Our business banking team can help you choose the right account for your balance needs and transaction volume. Contact us to learn more about your options and get started opening an account.
Connect With Our Team
Compare Your Business Checking Account Options at FNBCC
| Feature | Commercial Flat Fee | Commercial Checking with Analysis | Commercial Interest Plus | Commercial Money Market |
|---|---|---|---|---|
| Best For | Limited activity & smaller deposits | High transaction volume & larger deposits | Estates, trusts, nonprofits, sole proprietors | Businesses seeking higher interest with liquidity |
| Minimum Opening Deposit | $100.00 | $100.00 | $100.00 | $100.00 |
| Monthly Maintenance Fee | $10.00 (waived with $1,500 daily & $2,500 avg monthly balance) | Varies (offset by earnings credit) | $10.00 (waived with $2,000 daily & $4,000 avg monthly balance) | $8.00 (waived with $2,500 daily & $5,000 avg monthly balance) |
| Interest Bearing | No | No | Yes | Yes (tiered rates) |
| Account Analysis | No | Yes | No | No |
| Statement & Check Images | Yes | Yes | Yes | eStatements only |
| Other Services | 50 FREE debits per month ($0.30 each additional item) 75 FREE deposited items per month ($0.10 each additional item) | ACH, Night Drop, Change Orders | — | — |
Specialty Business Accounts
Account Type | Account Details |
|---|---|
Escrow Account | FNBCC understands that escrow transactions require fast, accurate handling. We offer quick account setup, timely responses, and streamlined execution so your business escrow needs are always taken care of. |
IOLTA (Interest on Lawyers Trust Accounts) | This interest-bearing checking account is designed for attorneys and law firms holding client funds temporarily. Maintained under your firm's name, the interest generated supports legal aid programs for low-income individuals. |
Trust Account | Trust accounts give you a secure way to manage assets according to the grantor's wishes, with the clarity, protection, and structured oversight trust administration requires. |
Estate Account | Estate accounts help executors manage and settle a deceased individual's financial affairs — paying outstanding bills, distributing assets to beneficiaries, and handling related expenses in an organized, authorized way. |