Business Checking Account

Business Checking Account
Business Checking Account 1st National Bank

Take control of your business finances with a flexible and reliable business checking account from 1st National Bank. Simplify your banking and focus on what matters most: growing your business.

  • Low minimum deposits1 and competitive fees personalized to your business needs
  • 24/7 online banking access for convenient, on-the-go account management
  • Offset fees with earnings credits and save on business banking costs
  • Merchant services available to process payments and manage transactions seamlessly

Business Checking from 1st National Bank

At 1st National Bank, we provide Business Checking Accounts designed to suit the unique needs of your company. Explore the many features and benefits we offer for large and small business owners:

Earnings Credit

An earnings credit will be utilized to offset fees in your account. It’s calculated as a percentage of your average monthly available balance and applied at the end of the statement cycle. This credit could even eliminate all fees on your account.

Free Debit Card Available

With our business checking account, you may receive a Free Debit Card at no cost.* Effortlessly pay bills or purchase essential items to keep your business running smoothly.

Employee Benefit Options

Our unique Employee Benefits Package provides exclusive discounts and bonuses for employees signing up for direct deposit into a 1st National Bank Checking or Savings Account.

Low Minimum Deposit

Open one of our business checking accounts with a low minimum deposit.¹ Starting an account for your business with us is easy and affordable, ensuring you can focus on growing your business.

Low Monthly Fee

Enjoy our checking account for businesses with a low monthly fee and 200 free per item charges.² We keep your banking costs manageable, so you can focus on what matters, running your business effectively.

Business Banking Merchant Services

Opening a business account gives you access to 1st National Bank’s extensive Merchant Services, including:

Visit our banking center near you for more information or to open a checking account for your business today. Experience the benefits tailored to help your business thrive.

Why Should You Open a Business Checking Account With 1st National Bank?

When it comes to managing your business finances, you are looking for a trusted partner in your bank. At 1st National Bank, we understand the unique challenges that come with running a business and opening a business bank account. We’re here to make banking easier, more efficient, and cost-effective for you.

  • Low minimum deposit required to open a business checking account1
  • Earnings credits to offset fees, saving you money on everyday banking
  • 24/7 online banking access to manage your business finances from anywhere
  • Merchant services available for easy payment processing and customer transactions

Ready to take control of your business finances? Open your new account today and experience the benefits of business checking with 1st National Bank!

Maximize Your Cash Flow With Business Bank Accounts That Work as Hard as You Do

When you’re steering a business—from managing cash, paying employees, to prepping for growth—you need banking that keeps pace. At 1st National Bank, our business checking and savings accounts options give you more control over your business finances, freeing you to focus on what really matters: running your business confidently.

  • Gain the flexibility to transfer funds between your business checking and a business savings account effortlessly, so your idle funds aren’t just sitting.
  • Choose a type of account that supports your business type, whether you’re a sole proprietor, an LLC, or a nonprofit, and keep your personal and business funds separate for clarity and tax‑time ease.
  • Use 24/7 online banking to monitor business account transactions, set up alerts on deposits, and keep tabs on business funds anytime from anywhere.
  • Take advantage of tools like merchant services, business debit card and credit card options, and even a line of credit or business loan when you’re ready to expand, so your bank grows with your business.

Let us help you stay ahead of business expenses, deposits, and opportunities. Open an account with us today, find the best business checking solutions, and let your bank work as hard as you do.

Still have questions? Have us contact you.

*Certain restrictions may apply to receiving your free debit card. Contact a banking center or view our account disclosures for more details.
¹Low minimum opening deposit is $5.00. A higher balance may be required to access additional features. 
²Business Checking monthly fee is $15.00. After free 200 per item charges, each charge will be $0.20.

FAQs

To open a business checking account, you’ll need your business license, Employer Identification Number (EIN), and personal identification (such as your Social Security Number for sole proprietors). Our team will guide you through the simple process to get started.

While it’s possible, it’s highly recommended to keep your business and personal finances separate. A dedicated business checking account helps you manage your business transactions more efficiently and provides you with access to features like merchant services and earnings credits.

An earnings credit helps offset fees on your business checking account. It’s calculated based on your average monthly balance and can reduce or eliminate your monthly fees. This means more savings for your business!

Our business checking accounts offer low monthly fees. You can also earn credits that offset most fees. Additionally, you’ll get 200 free per-item charges to keep your banking costs manageable.2

Yes! With 1st National Bank’s 24/7 Business Online Banking, you can manage your business account anytime, anywhere. From checking balances to making transfers, you have full control of your business finances on the go.