At First Citizens BancShares ®, we prioritize the unique financial needs of businesses by offering checking accounts that suit various transaction requirements and account balances. Each account is backed by the dependable service you expect and deposits are reinvested into the community.

Completely Free Checking

This free business checking account^ is a flexible option that accommodates the routine spending needs of most businesses.

Commercial Checking

Designed for businesses with more complex banking needs, this account provides an earnings allowance to offset service charges.

Business Interest Checking

This interest-bearing account is ideal for qualifying sole proprietorships and non-profit organizations.

Overdraft Privilege

Protect your business checking account from accidental overdrafts with Overdraft Privilege (ODP). This service is designed to help your business avoid high charges associated with returned checks and to spare you from the hassle of denied purchases and dishonored checks.

In the event of an accidental overdraft from your checking account, Overdraft Privilege can help. Instead of automatically returning unpaid, insufficient fund items (checks, etc.) that you may have, First Citizens BancShares ® will consider, without obligation on our part, payment of your reasonable overdrafts.*