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Business Checking

Business Accounts

First Citizens State Bank makes it easy to manage your business finances. Whatever you need, we are here to make banking more efficient for you.

Beneficial Ownership Information

In 2024, FinCen (Financial Crimes Enforcement Network) announced new reporting requirements for small businesses. In addition to providing business ownership information required by the bank when opening an account, many businesses are also now required to file BOI reports electronically using FinCen's secure filing systems.

Here are resources to help you understand if you are included and what steps you may be required to take:

business owner on laptop

    Compare Checking Accounts

    Earnings Credit1

    Monthly Maintenance

    Activity Charges

    Interest2

    Business Checking

    Yes

    $2.50

    $0.15 per debit item*

    $0.02 per item deposited*

    No

    Organizational Checking

    Yes

    $2.50

    $0.15 per debit item*

    $0.02 per item deposited*

    No

    Non-Profit Checking

    (Must be a qualified 501c3 organization)

    No

    No Monthly Service Charge

    No Per-Check Charge
    Unlimited Check writing

    No

    Business Now Checking3

    No

    $5.00

    $0.15 per debit item

    Yes

    Business Super Now Checking3

    No

    $6.00

    $0.20 per debit item
    No service charge if $2,500 minimum balance is maintained

    Yes

    Business Tiered Money Market

    No

    If balance falls below $2,500 during cycle, a $5.00 fee applies

    Maximum of 6 transactions per month

    Yes; Each tier offers a higher rate of interest

    Corporate Plus Checking

    No

    $5.00

    $0.15 per debit item*

    $0.02 per item deposited*

    Yes; Earns interest on the average collected balances maintained

    Municipal Checking

    Yes

    $2.50

    $0.15 per debit item*

    $0.02 per item deposited*

    No

    Municipal Tiered Money Market

    No

    If balance falls below $2,500 during cycle, a $5.00 fee applies

    Maximum of 6 transactions per month 

    Yes

    Municipal Now Checking

    No

    $5.00

    $0.15 per debit item

    Yes

     *The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

    1On average collected balances maintained, not to exceed activity charges

    2If available competitive high-yielding variable rate with current rates posted in bank lobby

    3Eligibility restrictions may apply

    Business Checking

    Earnings Credit

    • An earnings credit on average collected balances maintained, not to exceed activity charges

    Activity Charges

    • Monthly maintenance charge of $2.50
    • $0.15 per debit item
    • $0.02 per item deposited
    • The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

    Organizational Checking

    Earnings Credit

    • An earnings credit on average collected balances maintained, not to exceed activity charges

    Activity Charges

    • Monthly maintenance charge of $2.50
    • $0.15 per debit item
    • $0.02 per item deposited
    • The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

    Non-Profit Checking

    • No Minimum Balance
    • No Monthly Service Charge
    • Must be a qualified 501c3 organization
    • No Per-Check Charge
    • Unlimited Check writing
    • Easy-to-Balance Statement in Check Number Order
    • E-Statements Available
    • Customer Pays for Check Printing Charges
    • ATM Fees Apply
    • 24 Hour Visa Check Card Access and ATM Cash Card
    • Internet Banking Available on all Accounts
    • Mobile Banking Access
    • Mobile Deposit Access
    • 24 Hour Account Inquiry and Transfer Information
    • $100 minimum opening deposit required

    Business Now Checking

    • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
    • Monthly maintenance charge of $5.00
    • $0.15 per debit item
    • Eligibility restrictions may apply

    *Rates subject to change at any time

    Business Super Now Checking

    • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
    • Monthly maintenance charge of $6.00
    • $0.20 per debit item
    • No service charge if $2,500 minimum balance is maintained
    • Eligibility restrictions may apply

    *Rates subject to change at any time

    Business Tiered Money Market

    • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
    • Each tier offers a higher rate of interest
    • $2,500 minimum balance
    • If balance falls below $2,500 during cycle, a $5.00 service charge applies
    • Six (6) withdrawals (debits) per statement period at no charge
    • There will be a $1.00 service charge for each debit in excess of 6 during a statement period

    *Rates subject to change at any time

    Corporate Plus Checking

    • Earns interest on the average collected balances maintained
    • Interest Rate: Competitive variable rate with current rates posted in bank lobby*

    Activity Charges

    • Monthly maintenance charge of $5.00
    • $0.15 per debit item
    • $0.02 per item deposited
    • The number of checks you write and items included in your deposits will determine the monthly activity charge

    *Rates subject to change at any time

    Municipal Checking

    Earnings Credit

    • An earnings credit on average collected balances maintained, not to exceed activity charges

    Activity Charges

    • Monthly maintenance charge of $2.50
    • $0.15 per debit item
    • $0.02 per item deposited
    • The number of checks you write and items included in your deposits will determine the monthly activity charge. The charge is then reduced by the earnings credit given for the balances maintained in the account. The earnings credit is subject to change at any time.

    Municipal Tiered Money Market

    • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
    • Each tier offers a higher rate of interest
    • $2,500 minimum balance
    • If balance falls below $2,500 during cycle, a $5.00 service charge applies
    • Six (6) withdrawals (debits) per statement period at no charge
    • There will be a $1.00 service charge for each debit in excess of 6 during a statement period

    *Rates subject to change at any time

    Municipal Now Checking

    • Interest Rate: Competitive variable rate with current rates posted in bank lobby*
    • Monthly maintenance charge of $5.00
    • $0.15 per debit item

    *Rates subject to change at any time

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