What are the eligibility requirements to open a small business checking account?

To qualify, your business must meet the minimum deposit requirement and maintain an eligible balance. This allows you to access features such as interest earnings and potentially waive certain fees.

Are there any fees for a small business checking account?

Our small business checking accounts include a low monthly fee, which may be waived if a required balance is maintained. Additional fees may apply for excess transactions, but the account is designed to remain cost-effective for business financial management.

Is my business interest account insured?

Yes, your account is FDIC-insured up to $250,000 per depositor. This coverage applies to your checking account and other deposit accounts such as certificates of deposit or money market accounts, providing strong financial protection.

Business Interest Checking Account

Help your business finances work effectively and efficiently with our Business Interest Checking Account. Earn interest while keeping things simple and secure.

Earn a competitive interest rate with no monthly fees.
Start with a low deposit and watch your business funds grow.
Convenient online banking and ATM access for on-the-go management.
Perfect for small businesses, offering seamless payments and merchant services.

Let Your Money Work for You with Business Interest Checking

If you’re a non-incorporated business or sole proprietor, discover the benefits of a Business Interest Checking Account with 1st National Bank. Earn interest on your balance, enjoy a free debit card, and access powerful merchant services.

Earns Interest

Your money works for you in our business interest checking account. Interest can be left to grow or transferred as needed.

Free Check Card Available

Receive a debit card at no cost and easily manage your business expenses. Pay bills and purchase essential items effortlessly.

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 Interest Checking Accounts with a low minimum deposit and enjoy easy access to your business account balance.¹

Low Monthly Fee

Enjoy our business interest checking account with a low monthly fee, 200 free per item charges, and no maintenance fee on eligible accounts.²

Merchant Services

1st National Bank offers extensive Merchant Services, including:

Business Online Banking
Business Credit Cards and Card Management
Credit Card Processing
Remote Deposit Capture (RDC)
Automated Clearing House (ACH)
Wire Transfers
Lockbox and Payroll Services
Cash Ordering Services

Visit a banking center near you for more information or to open your Business Interest Checking Account today. Experience the benefits tailored to help your business thrive.

Why Choose Us?

At 1st National Bank, our Business Interest Checking Account is designed to meet the needs of small business owners. With FDIC-insured accounts, low fees, and flexible features like online banking, ACH, and wire transfers, we offer a comprehensive solution. Benefit from seamless transactions and cash deposits, easy bookkeeping, and treasury management tools, all tailored to help your business thrive.

Earn interest with no maintenance fee on eligible accounts
Access a range of account features, including transaction and cash deposit management
Secure, insured accounts with fee waivers on qualified deposits
Simplified bookkeeping and treasury management for your business

Still have questions? Have us contact you.

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*Certain restrictions may apply to receiving your free ATM card. Contact a banking center 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

With our business interest checking account, your balance earns interest at a competitive rate, calculated daily and paid monthly. This provides an excellent solution for small business owners who want to grow their funds while managing their business needs.

To qualify, your business must meet the minimum deposit requirement and maintain an eligible balance. This ensures you can access account features like interest earnings and the ability to waive certain fees.

Our small business checking accounts come with a low monthly fee, which can be waived if you maintain a certain balance. Additional fees may apply for excess transactions, but the account is designed to be a cost-effective solution for managing your business finances.

Yes, your account is FDIC-insured, offering protection up to $250,000 per depositor. This ensures the security of your funds, whether in your checking account or other deposited items like certificates of deposit or money market accounts.