Stop by one of our financial centers or schedule an appointment to meet with a First Commerce team member.

A minimum deposit of $100 is required to open a business checking account. You will also need to open a Share Savings Account to establish your credit union membership.

If you have any questions about our business accounts, reach out to our knowledgeable Business Services Team. Contact us.

To open a business checking account, you’ll need basic identifying information for all authorized signers along with documentation specific to your business or organization. You’ll also need to provide your Employer Identification Number (EIN) or Social Security number.

For a list of documents required for your organization, see our Florida Business Services Account Opening Guide or our Georgia Business Services Account Opening Guide.

Yes. First Commerce Credit Union’s Community Interest Checking account is designed for clubs, associations, and other nonprofit organizations. It features generous fee-free transaction limits, earns tiered interest on balances over $2,500, and waives the $10 monthly fee when you maintain an average daily balance of $2,500.

A business analysis account is designed for companies that process a high volume of transactions and typically maintain larger balances. These accounts help larger organizations offset transaction fees by receiving an “earnings credit” with eligible account balances.

At First Commerce, our Plus Analysis Business Checking account goes a step further: Instead of offering earnings credits, it pays real interest on 98% of your balance, which can either help to reduce fees or grow your account balance.

The right account depends on the type and size of your business, as well as how many transactions you typically make (such as check deposits or ACH payments).

• Small businesses or self-employed individuals with modest cash flow: Go for our simple Free Business Checking account — no monthly maintenance fee, unlimited transactions, and all the essential digital tools.

• Nonprofits and community organizations: Open Community Interest Checking for generous transaction limits and the opportunity to earn tiered interest rates. You can easily avoid the $10 monthly fee by keeping an average daily balance of $2,500.

• Larger businesses with high transaction volume: Choose our Plus Analysis Business Checking for a flexible and cost-effective way to manage cash flow. You can earn a competitive interest rate on 98% of your balance, helping you offset fees by keeping more money in your account.

Absolutely. Deposits at First Commerce Credit Union are federally insured by the National Credit Union Administration (NCUA) up to at least $250,000 per depositor.

First Commerce Credit Union has 14 financial center locations across North Florida and South Georgia.