Overview
Business Checking
Running a business means your bank should work as hard as you do. FSCB Business Checking accounts give you the flexibility to handle high transaction volumes, the tools to manage your team's access, and a dedicated advisor who understands local business.
1
Gather Your Documents
Business formation documents, EIN, and owner identification — we'll tell you exactly what you need.
2
Meet with an Advisor
Open in-branch or start online. A banker reviews your needs and recommends the right account.
3
Start Banking
Account is funded and ready the same day. Set up payroll, online access, and debit cards immediately.
Features
Built for how business works
No Monthly Maintenance Fees
Keep more of your business revenue. Qualifying accounts pay zero monthly maintenance charges.
Unlimited Transactions
Process as many deposits, withdrawals, and transfers as your business needs — no per-item fees.
Multi-User Access
Assign roles and permissions to employees and bookkeepers without sharing your login credentials.
Same-Day ACH Payments
Send payments to vendors, employees, and contractors with same-day ACH processing.
Business Debit Card
Manage business expenses with a dedicated debit card. Set spend limits per employee card.
Dedicated Business Advisor
A local banking expert assigned to your account — available for questions, strategy, and growth planning.
Account Options
Choose your account tier
Business Basic Checking
Monthly Fee$0/month
Minimum / Eligibility$0 to open
Key Feature200 items/month
ExtrasOnline & mobile banking
Get StartedRecommended
Business Premium Checking
Monthly Fee$0/month*
Minimum / Eligibility$500 avg balance
Key FeatureUnlimited
Extras+ ACH, wire discounts
Get Started* Fee waived with $500 average daily balance or $2,500 monthly deposits.
FAQ
Common questions
What documents do I need to open a business account?
You'll need your EIN, business formation documents (Articles of Incorporation or LLC agreement), a valid photo ID for each owner, and your business address.
Can I have multiple signers on the account?
Yes — you can add authorized signers, set role-based permissions, and grant view-only access to your bookkeeper.
Do you offer accounts for sole proprietors?
Absolutely. Sole proprietors can open a business checking account using their SSN and business name (DBA).
Is my business deposit FDIC insured?
Yes. Business deposits are FDIC insured up to $250,000 per depositor, per insured bank, per ownership category.
Ready to get started?
Speak with a local FSCB business banking advisor — no obligation, no pressure.