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Business Banking

Business Banking isn’t just about big deals. It’s about dreams.

Business banking that keeps your business moving

Running a business means managing cash flow, making decisions quickly and planning for what comes next. FB Financial provides business banking solutions designed to help you stay in control, operate efficiently and grow with confidence.

Business Checking Accounts

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Business Lending and Financing

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Treasury and Cash Management

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Digital Banking for Business

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Business Debit and Credit Cards

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Business Checking Accounts

Our business checking accounts are designed to support a range of activity levels from small, straightforward operations to higher-volume businesses.

FirstBusiness Checking

Built for small businesses that want simplicity and control, FirstBusiness Checking provides an easy way to handle daily transactions without monthly fees. With unlimited check writing, online bill pay, and up to 500 free transactions each statement cycle, it’s a practical solution for low‑volume business banking needs.

$100 Minimum Opening Deposit

No monthly service charge. Up to 500 Free transactions per statement cycle. Account will be charged $.30 per transaction over 500.

FirstCommercial Checking

An analyzed business checking account built for growing and established businesses with higher transaction activity, offering earnings credits that can help offset service and transaction costs.

$1,000 Minimum Opening Deposit

All accounts are analyzed and charges may apply.

Public Funds Interest

An interest‑bearing checking account designed for public entities, offering tiered, variable interest on higher balances while keeping funds fully accessible for ongoing operational needs.

$5,000 Minimum Opening Deposit

$10 monthly service charge if balance falls below $5,000. Service charges apply.

Business Lending and Financing

We offer business lending solutions designed to help you move forward with clarity—whether you're managing working capital or planning expansion.

Business Line of Credit

A flexible, revolving credit solution that allows businesses to access funds as needed for short‑term expenses or cash flow management while paying interest only on the amount used.

Commercial Line of Credit

A scalable revolving credit solution designed for established businesses with more complex financial needs, providing ongoing access to capital for managing operations and cash flow fluctuations.

Commercial Real Estate Financing

Long‑term financing for the purchase, refinance, or improvement of commercial properties, structured to align with property cash flow and long‑term business goals.

Treasury and Cash Management

Our treasury services are designed to streamline financial operations—helping you manage incoming and outgoing payments with greater control.

Collecting & Depositing Funds

ACH Services
Remote Deposit Capture
Lockbox Services
Merchant Services
Wires

Managing Risk

ACH Block / Filter Services
Controlled Disbursement Account
Check Imaging
ACH Positive Pay
Check Positive Pay

Disbursing Funds & Payments

ACH Services
Commercial Card
Wires

Managing Funds

Zero Balance Accounts (ZBA)
Sweep Services

Digital Banking for Business

Our digital banking platform allows you to manage your business finances with flexibility and control.

Online Banking Features

Real-time access to accounts and transactions
Ability to move funds and manage payments securely
Tools to monitor cash flow and activity
Access across devices for on-the-go management
Customizable Dashboard
Syncs With Mobile Banking
Pay Bills Online
Quick Action Buttons For Faster Banking
Lock And Unlock Your Debit Cards
Sync Accounts From Other Financial Institutions
Get Account Balances
View And Tag Transaction Details
Move Money Between Accounts
View Checks
Set Account Alerts
Set Travel Notices
Be Safe and Secure
Get Advanced Encryption Technology
Access eStatements
Insights
Zelle
MyCredit Manager

Enjoy Bill Pay- For Free!

Our Bill Pay service comes free with your Online Banking account. It’s an easy to use, hassle-free method for paying and receiving bills online. Payments are conveniently made from an eligible FirstBank account of your choice.

With Bill Pay you can:

Pay all bills, anytime, anywhere in the United States
Set up recurring payments
Schedule payments up to one year in advance
Track payments online – no more “check is in the mail” worries
Money and time savings – no more stamps and checkbook balancing
Transfer money electronically between your checking and money market accounts, even those at different financial institutions
Rely on a proven, secure solution
Enjoy the freedom of free Business Online Banking

The only payments you cannot make through your bill payment service are court-ordered payments, state tax payments and international payments.

FB Mobile Banking

Manage your business finances anytime, anywhere with the FB Mobile Banking app. View account balances, monitor transactions, transfer funds, and deposit checks securely from your mobile device.

Download the app

Business Online Banking

A digital banking platform that helps small businesses manage accounts, payments, invoicing, and cash flow from one centralized, secure system.

Download the app

Treasury Management

A more advanced digital banking platform designed for growing businesses, the Treasury Management platform builds on Business Online Banking by providing enhanced control, visibility, ACH and payment capabilities to manage complex financial operations.

Download the app

Business Debit Cards & Business Credit Cards

Get the credit you deserve for your great choice of business banks.

Business Debit Card

Secure, fast and easy purchases, payments and withdrawals - more convenient than cash, faster and more secure than writing checks.
Manage your business banking account - purchases and payments are recorded on your monthly FirstBank checking account statement.
No interest charged - funds come directly from your FirstBank Business Checking account.
Worldwide acceptance (anywhere Visa® debit and credit cards are accepted).
When you bank with us, you're putting your trust in our bank, not just your money. That's why we are serious about security and fraud protection. Debit card fraud can happen which is why FirstBank Debit Card Fraud Alerts were designed to quickly detect and alert you of unusual activity on your card. The fraud alerts are active as soon as you activate your debit card.

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Visa is a registered trademark of Visa International Service Association and used under license.

Business Credit Card

Get the card that gives you credit for your business sense. FirstBank offers business credit cards with no annual fee, competitive rates, bonus transfer promotions and the availability of rewards that earn points or cash back with our Platinum Payback, Platinum Preferred and World Elite and World Elite Plus Mastercard® credit cards.

To view the benefits of each business credit card and to apply online, go to our Credit Card Service Center.

Apply Now

Mastercard is a registered trademark of Mastercard International Incorporated.

FAQs

- I think my business account has been compromised. What should I do?
  
  Contact us immediately if you notice suspicious activity on your account. We can help secure your account, review recent transactions, and guide you through the next steps.
- Who can help me with Treasury Management and fraud prevention?
  
  Our Treasury Management team can help you implement tools and best practices designed to strengthen security, reduce fraud risk, and protect your business accounts.
- I think my Business Online Banking credentials have been compromised. What should I do?
  
  If you believe your username or password has been compromised, change your credentials immediately and contact us as soon as possible so we can help secure your online banking access.
- How can local business banking help my company grow?
  
  A local banking partner can provide personalized guidance, flexible solutions, and responsive support to help your business achieve its goals.
- What Treasury Management services should growing businesses be using?
  
  Growing businesses often benefit from services like ACH payments, remote deposit capture, positive pay, wire transfers, and cash flow management tools.
- What digital banking features should my business expect today?
  
  Businesses should expect secure online and mobile banking, mobile deposits, payment capabilities, account alerts, reporting tools, and robust security features.

Business Banking