Grow confidently with our business banking and expertise focused on helping you improve cash flow and increase efficiency to drive success.

Save with no monthly maintenance fee with a qualifying checking account balance, no monthly fee on Bill Pay Classic or Mobile Deposit, and no fees for checks, ACH received and credit transactions.D

Gain real-time data and integrated controls to more easily manage finances across deposits, cards and loans, plus auto-sync data to your accounting system. As your needs evolve, we can help you add treasury management services.

First Citizens Digital Banking Laptop and Mobile

Essentials includes a physical debit card, plus you can add a secure digital version of your SVB card to your mobile wallet to leverage the wallet's biometric authentication and tokenization for payments.

Deposit Agreement and Disclosure Statement- Business Accounts

Monthly account maintenance fee of $25 is waived if billing family monthly average net collected balance is $15,000 or greater. Fee waivers are applied monthly and do not rollover to the following month. Account maintenance fees may apply for each month your balance falls below the disclosed minimum. 15 wires per month includes 5 domestic outgoing wires, 5 international USD outgoing wires, and 5 international FX outgoing wires at no charge. Intermediary fees may apply. ACH applies to ACH received only, not ACH originated. Checks are defined as standard check transactions including checks deposited and checks received only. Bill Pay Classic monthly maintenance fee is included at no charge. Mobile Deposit monthly maintenance fee is included at no charge. Eligibility requirements apply for Mobile Deposit. SVB Go digital banking monthly maintenance fee is included at no charge. Standard fees apply to expanded or additional account and other advanced banking services. Transactions processed, such as for insufficient funds, and returned and collection items will incur a fee as described in the Schedule of Fees and Charges. Transaction fees from third parties will also be charged. First Citizens does not provide a complimentary order of check stock. Ask your Relationship Manager for the Schedule of Fees and Charges.

Fraud Control Services may have monthly, per item, or per transaction costs. Contact your Relationship Manager for more details.

Transaction fees from third parties will also be charged. First Citizens does not provide a complimentary order of check stock. More details can be found in the Schedule of Fees and Charges.

Mastercard is a registered trademark of Mastercard International Incorporated and is an independent third party and not affiliated with First Citizens Bank. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. EMVCo, LLC is an independent third party and not affiliated with First Citizens Bank.

Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender.

Essentials—business checking to save time and money

Simplify finance as you build your business

Help improve cash flow and lower costs

Track your cash position with robust digital banking

Spend safer with a digital debit card

Ready to get started?