Last Updated: 04/18/2025
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Highlights
Monthly Service Fee
ATM Fee: Out-of-Network (within the U.S.)
Minimum Average Balance to Avoid Monthly Service Fee
APY (Annual Percentage Yield)
First Citizens Bank Basic Business Checking Review
Key Takeaways
- 0% APY. As with most checking accounts, First Citizens Bank Basic Business Checking does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in First Citizens Bank mobile or online banking.
First Citizens Bank Basic Business Checking Pros & Cons
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First Citizens Bank Basic Business Checking FAQ
Are business checking accounts from First Citizens Bank federally insured?
What APY does First Citizens Bank Basic Business Checking offer?
What are the account minimums for First Citizens Bank Basic Business Checking?
| Description | Amount |
| Minimum Initial Deposit | $100 |
What fees does First Citizens Bank Basic Business Checking charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does First Citizens Bank Basic Business Checking offer?
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - First Citizens Bank Basic Business Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - First Citizens Bank Basic Business Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Other Business Checking Accounts from First Citizens Bank
Monthly Service Fee
ATM Fee: Out-of-Network (within the U.S.)
Minimum Average Balance to Avoid Monthly Service Fee
N/A
APY (Annual Percentage Yield)
Monthly Service Fee
ATM Fee: Out-of-Network (within the U.S.)
Minimum Average Balance to Avoid Monthly Service Fee
N/A
APY (Annual Percentage Yield)
Monthly Service Fee
ATM Fee: Out-of-Network (within the U.S.)
Minimum Average Balance to Avoid Monthly Service Fee
N/A
APY (Annual Percentage Yield)
SuperMoney Net Recommendation Score
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