Commercial Checking








Your business comes with its own unique set of challenges. FCB offers checking options that enhance your business.

FCB offers a variety of commercial and business checking solutions, with different features to meet those challenges. The right commercial or business checking account can enhance your operations, cash flow and bottom line.

An experienced FCB business account associate can help you select an account that fits the way you do business, with valued-added features that can save you time and money – and help your business thrive.


Small Business Checking

Ideal for businesses with lower monthly transaction activity.
  • NO charge for up to 325 transactions per month1
  • NO monthly maintenance fee
  • Cash Back Rewards; Terms and Conditions apply

Business Checking

Designed for businesses with moderate to higher monthly transaction volumes.
  • NO charge for up to 500 transactions per month2
  • NO monthly maintenance fee when you maintain a minimum average daily balance of $2,5003

Business Interest Checking

Available for sole proprietors, nonprofits and attorneys eligible to maintain IOTAs.
  • Competitive tiered interest rates compounded and  credited monthly
  • NO monthly maintenance fee when you maintain a  minimum average daily balance of $2,5004

Commercial Checking

For companies with high transaction volume.
  • Earn credits on monthly balances and use them to offset account fees
  • Detailed monthly analysis of account activity

Commercial Demand Account

Available for all companies. Designed for businesses and companies who want to earn interest.
  • Competitive tiered interest rates compounded and credited monthly
  • NO monthly maintenance fee when you maintain a minimum average daily balance of $2,5004

 

Each FCB Business Checking Account Includes:

Business Electronic Banking & Bill Pay: spend more time running your business, and less time running
to the bank.
Find out more about Business Electronic Banking (BeB).

  • View and receive your bank statements online, pay bills, schedule automatic or recurring payments, access
    e-statements and check images, transfer funds and more, all from your office computer.
  • Supports multiple users, and lets you determine the level of access you want your employees to have.

FCB Business Debit Card: use it to make purchases anywhere MasterCard® and VISA® is accepted.

  • Access funds or conduct transactions at any FCB location or at any Publix Presto® ATM — a network of over 1,000 ATMs5

Give Your Customers More Payment Options

FCB Merchant Services let you provide your customers with the option of paying by debit or credit card, electronic check or gift card, while reducing your overhead costs.

  • Accepts all major credit and debit cards including American Express®, Diners Club®, Discover®, VISA® and MasterCard®
  • 24/7 secure online reporting through a secure website
  • Enhanced technical support, service and troubleshooting
  • Competitive pricing

Which Business Checking Account Fits Your Needs?

Use the chart below to help you decide which features are best for your business.

 

Account Name

Small Business Checking Business Checking Business
Interest Checking
Commercial Checking Commercial Demand Account

 

Minimum Opening Deposit

$100 $100 $100 $100 $100
Account Activity

325 transactions per month at no charge.  Cash deposit up to $10,000 - at no charge.1

500 transactions per month at no charge.  Cash deposit up to $20,000 - at no charge.2

No limitations apply. Cash deposit up to $20,000 at no charge.4

A per item fee will be charged according to fee schedule.  Cash deposit fee of .12 per $100 deposited applies.

No limitations apply. Cash deposit up to $20,000 at no charge.4

Minimum Daily Balance to Avoid Monthly Fee

N/A Maintain minimum average daily balance of $2,500 to avoid $15 monthly maintenance fee. Maintain minimum average daily balance of $2,500 to avoid $15 monthly maintenance fee. A monthly maintenance fee of $15 applies. Maintain minimum average daily balance of $2,500 to avoid $15 monthly maintenance fee.

 

Pays Interest

No No Yes No Yes

 

Cash Back Rewards

Yes
Terms and conditions apply
No No No No


 Prohibition on Unlawful Internet Gambling Notice


Contact Us

To learn more and discuss your options, stop by your neighborhood FCB banking center or call toll-free
at 1.866.764.0006 to speak with an experienced account associate — we’re here to serve you.


Terms and conditions are subject to change without notice and may be withdrawn at any time. Ask an associate for details regarding Cash Back Rewards. 1. A per item fee of $.25 will be charged for each transaction item in excess of 325 during a month. Cash deposits in excess of $10,000 per statement cycle will incur a fee of $.12 per $100 deposited. 2. A per item fee of $.25 will be charged for each transaction in excess of 500 during a month. Cash deposits in excess of $20,000 per statement cycle will incur a fee of $.12 per $100 deposited. 3. Maintain an average daily balance of $2,500 to avoid the $15 monthly maintenance fee. 4. Maintain an average daily balance of $2,500 to avoid the $15 monthly maintenance fee. Cash deposits in excess of $20,000 per statement cycle will incur a fee of $.12 per $100 deposited. 5. Cash withdrawals, balance inquiries and transfers between accounts are surcharge free transactions at any Publix Presto® ATM.