AmexCap founders choose First Citizens Innovation Banking because we champion startups at every stage — from seed and venture raising to IPO and beyond — to accelerate growth. And to change the game.
Startup banking products and services for founders
Up to 3.56% annual percentage yield on qualifying balances
Gain interest income with our Startup Money Market Account. Like a savings account, you can earn up to 3.56% APY on deposits over $1M - to help extend your runway. Certain limitations and restrictions apply.D
Cut costs and increase cash flow
Pay no monthly maintenance fee with Essentials Checking. Receive ACH payments, checks, credit transactions, Bill Pay Classic and Mobile Deposit at no charge. See terms and conditions for requirements.D
Get checks, ACH received and credit transactions at no charge, and no monthly maintenance fee on Bill Pay Classic or Mobile Deposit.
Earn up to 250,000 reward points
Early-stage companies can drive growth with higher credit limits with no personal liabilityD and save time with AI-powered expense management at no extra cost.
Spend $60K in your first 90 days and earn 90,000 rewards points, plus 160,000 additional bonus points for a total of 250,000 rewards points.D
Accepting payments
Increase cash flow with our Merchant Services and Payment Solutions. Accept payments for sales, invoices, subscriptions and recurring billing. Manage orders and create an integrated checkout experience on your website or app with simple APIs. And keep the cash flowing with next-day funding.
Global growth services
Our team is here to support your global growth ambitions with market entry advice and networking across Europe, Latin America, India, MENA, Asia, Isreal, Australia and New Zealand.
Discounted partner offers
Benefit from exclusive partner discounts on software and services. First Citizens Innovation Banking technology, life science/healthcare & global business clients can save on software and services such as workforce collaboration, infrastructure, talents and more.D
Digital banking platform. Evolved.
Our digital banking platform enables you to:
Move money: Issue payments anywhere in the world via bill pay, check or ACH—done in seconds and all from a single screen.
Gain insight: Access your company's transactions: real-time, searchable and all in one place from your simple-to-use dashboard.
Bank directly from your ERP: View balances, initiate payments and reconcile accounts all from within compatible ERPs such as NetSuite, Sage Intacct and Microsoft Dynamics.
First Citizens Innovation Banking—the bank for startups
50%
of the fintech companies featured on the 2026 Forbes Fintech 50 list are clients*
72%
of VC-backed healthcare IPOs since 2021 have worked with us**
Navigate startup banking events, insights and trends
"SVB isn't just a bank—they're a true partner. Every founder should have SVB in their corner."
Robert Petti
CEO, Prompt Global
"We returned to SVB after a year with another bank. Their excellent team of relationship managers assist whenever me or my clients need anything."
Evan Kesten
Co-founder, Cabinet
"SVB has been a game changer for our ability to fundraise. Plus, they've opened doors to top-tier investors that align perfectly with our stage and vision."
Andre Basbaum
President and COO, Resolute Science
"SVB has been an incredible partner, going above and beyond their banking business to support our company as we raise funding."
Let’s get growing, together
Whether you're looking for tips from industry peers, help distilling regulations or business intelligence to inform your pursuit of investors or commercialization, First Citizens Bank has been there, and we're right here for you.
* Data based on internal analysis of the 2025 Forbes Fintech 50 list as Q1 2026, indicating SVB (now FCIB) provided financial services to approximately 60% of the listed companies.
** Data based on internal analysis of the 2024 Forbes AI 50 list as Q1 2025, indicating SVB (now FCIB) provided financial services to approximately 40% of the listed companies.
This offer is only available for Innovator Card charge programs set up on rewards with company bill and company rewards. Offer expires 12/31/2026.
Rewards points and bonus rewards points are awarded 30 days (or up to 2 statement cycles) after meeting the offer criteria within the first 90 days of account opening. Criteria includes:
45,000 rewards points are awarded after $10,000 has been spent collectively between the cards within your program. When spending $10,000, you will earn 15,000 rewards points at an earn rate of 1.5x. You will receive an additional 30,000 bonus points for a total of 45,000 points.
250,000 rewards points are awarded after $60,000 has been spent collectively between the cards within your program. When spending $60,000, you will earn 90,000 rewards points at an earn rate of 1.5x. You will receive an additional 160,000 bonus points for a total of 250,000 points.
Clients will earn either the $10k spend / 45,000 reward points (30,000 bonus) OR $60k spend / 250,000 rewards points (160,000 bonus).
For complete details about the SVB Innovator Card, including applicable fees and terms and conditions of the Card, please see the SVB Innovator Card Terms and Conditions. All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational and reference purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Certain terms, conditions, exclusions, and limitations apply, including a limit on cash advance capabilities.
Terms and conditions apply. Offers subject to change without notice.
Money Market Accounts (MMA) are interest-bearing accounts unless otherwise stated. As of September 30, 2026, a 3.56% annual percentage yield (APY) on the Startup Money Market Account is available for deposit balances of $1,000,000.01 or more. If the Startup Money Market Account has deposit balances between $50,000.01 to $1,000,000.00, a 2.63% APY will be applied to the entire ** Startup Money Market Account deposit balance. If the Startup Money Market Account has deposit balances of $50,000.00 or less, a 0.10% APY will be applied to the entire Startup Money Market Account deposit balance. The APY or interest rate depends on the tier associated with the amount deposited in the Startup Money Market Account. You must deposit and maintain the applicable account balance to earn the disclosed APY. Please refer to the Deposit Agreement and Disclosure Statement issued at opening and any updates thereto for more details. Changes to the interest rate and APY on the Startup Money Market Account is at our discretion and are reflected in your account statement. Interest is calculated daily and credited monthly to the account. If you close your account before interest is credited for the month, you will not receive the accrued interest during the month the account is closed. Applicable fees, including those contained in the Product Sheets and Schedule of Fees and Charges provided at account opening, could reduce earnings on the account. Account maintenance fees may apply for each month your balance falls below a disclosed minimum.
Free checking through Essentials Checking available for up to three years from account opening on included services and there after will be subject to an account maintenance fee of $50 per month plus outgoing wire fees, Domestic and International, and Standing/Auto Drawdown/Reverse wire fees. If expanded or additional account and banking services are needed by a company during the first three years, outside of what is included with the Essentials Checking checking account and related services, these will be available only through a checking and banking account solution outside of the Essentials Checking checking account product, and subject to both applicable standard services fees, and a monthly account maintenance fee. Transactions processed, such as for overdrafts, NFS’s, returned and collection items will incur a fee as described in the Schedule of Fees. SVB does not provide a complimentary order of check stock. Eligibility requirements apply for Mobile Deposit.
New Merchant Services program offerings are subject to underwriting, credit, and collateral approval. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Terms and conditions apply.
All third-party trademarks referenced by First Citizens Bank remain the property of their respective owners. First Citizens Bank’s use of third-party trademarks does not indicate any relationship, sponsorship or endorsement between First Citizens Bank and the owners of these trademarks. All references by First Citizens Bank to third-party trademarks are to identify the corresponding third-party goods and services and intended to constitute nominative fair use under applicable trademark laws.
First-Citizens Bank & Trust Company, as well as its divisions, subsidiaries, and affiliates (together, First Citizens), are US financial institutions and provide products and services to non-US clients on a cross-border basis from the United States of America. First Citizens is not licensed or regulated as a bank or any other type of financial institution outside of the United States of America. Please review our International Disclosures for more information.
