Free Business Checking
Minimum opening deposit
$100
Monthly maintenance fee
$0
How to avoid a monthly fee
N/A
Cash handling fee over $10,000/month
$1.25 per $1,000
Pays interest
N/A
Business Checking Accounts
Move your business forward with local expertise and 24/7 tools.
High-Impact Business Banking
Lower your banking costs, manage cash flow, and boost efficiency with a trusted local credit union. Whether you’re a sole proprietor, small business, growing company, or local nonprofit, we’ll help to keep your finances running smoothly. Here. Where Your Business Happens!
Which Business Checking Account Is Right for You?
For small businesses &
self-employed individuals
Choose Free Business Checking for everyday business banking with no monthly maintenance fee.
For nonprofits &
community organizations
Choose Community Interest Checking to manage organizational funds while earning interest on qualifying balances.
For businesses with higher volumes
Choose Plus Analysis Business Checking to efficiently manage higher transaction activity while earning interest on 98% of your collected balance.
Want a little guidance getting started?
Schedule an appointment with a First Commerce Credit Union representative to Open your Business Checking Account
Free & Interest Checking
Choose from flexible account options for organizations of all shapes and sizes.
24/7 Digital Banking
Easily view balances, pay bills, and manage multiple users and permissions.
Mobile and Remote Deposit
Get faster access to your money by depositing checks from anywhere.
Easy Bookkeeping Features
Save time with the ability to connect directly with Quicken or QuickBooks.
Choose Your Business Checking Account
| Features & Benefits | |  | |
|---|---|---|---|
| $100 | $100 | $100 |
 | $0 | $10 | $10 |
 | N/A | Maintain an average daily balance of $2,500 | Interest earned can help offset fees |
 | $1.25 per $1,000 | $1.25 per $1,000 | $1.25 per $1,000 |
 | N/A | Yes, on balances over $2,500. See rates. | Yes. Contact us for details. |
Community Interest Checking
Minimum opening deposit
$100
Monthly maintenance fee
$10
How to avoid a monthly fee
Maintain an average daily balance of $2,500
Cash handling fee over $10,000/month
$1.25 per $1,000
Pays interest
Yes, on balances over $2,500.
See rates.
Plus Analysis Business Checking
Minimum opening deposit
$100
Monthly maintenance fee
$10
How to avoid a monthly fee
Interest earned can help offset fees
Cash handling fee over $10,000/month
$1.25 per $1,000
Pays interest
Yes.
Contact us
for details.
Additional Features/Benefits
- Digital Banking with BillPay and QuickBooks integration
- Multi-user management in online banking, giving each user their own unique login and account rights
- On-the-go access with the First Commerce mobile banking app
- Debit Mastercard® Business Card available
- No charge for cash handling (in or out) up to $10,000 per month
- More services
- Mobile and remote deposit services for qualified businesses
Additional Features/Benefits
- Digital Banking with BillPay and QuickBooks integration
- On-the-go access with the First Commerce mobile banking app
- Debit Mastercard® Business Card available
- Free processing for up to 350 checks per month ($0.12 per check in excess of 350)
- No charge for cash handling (in or out) up to $10,000 per month
- More services
- Multi-user management in online banking, giving each user their own unique login and account rights
- Mobile and remote deposit services for qualified organizations
Additional Features/Benefits
- Digital Banking with BillPay and QuickBooks integration
- On-the-go access with the First Commerce mobile banking app
- Debit Mastercard® Business Card available
- No charge for cash handling (in or out) up to $10,000 per month
- Invitations to small business seminars featuring locally and nationally recognized speakers
- More services
- Multi-user management in online banking, giving each user their own unique login and account rights
- Export your transaction activity into Quicken, QuickBooks and other programs for easy bookkeeping
- Online Treasury Management Solutions with flexible plans to fit your business needs
We’re here to help you choose the right account.
Talk to our Business Services team and find the right banking solution for your business.
GET STARTED
How to Open Your
Business Account
Make sure you have everything you need for opening your business account by downloading the appropriate Account Opening Guide.
Hear It from a Business Member
Why Local Businesses Choose First Commerce Credit Union
“I’m writing to indicate how pleased and grateful I am with the services provided. I would highly recommend anyone, including friends and family, to bank at First Commerce for all of their banking needs.”
Open a Business Checking Account
Open an account or get more information, contact our Business Services Team or visit one of our locations.
Frequently Asked Questions
Who can join First Commerce Credit Union?
Membership at First Commerce Credit Union is available to individuals who live, work, or attend school in eligible counties of North Florida or South Georgia. It also extends to employees of participating businesses and their immediate families. Learn more about membership eligibility.
How do I open a business checking account?
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.
What documents do I need to open a business account?
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.
Do you offer a checking account for nonprofits?
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.
What is a business analysis account?
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.
Which First Commerce business checking account should I choose?
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.
Are my business funds insured?
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.
Where are your financial centers located?
First Commerce Credit Union has 14 financial center locations across North Florida and South Georgia.
Business Resources
Business Treasury Management Services
Manage your cash efficiently, collect payments faster, and make deposits securely with cash management solutions from First Commerce.
Business Credit Cards
Get the purchasing power to move your business forward with a business credit card.
Digital & Mobile Banking
Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.
Business Treasury Management Services
Manage your cash efficiently, collect payments faster, and make deposits securely with cash management solutions from First Commerce.
Business Credit Cards
Get the purchasing power to move your business forward with a business credit card.
Digital & Mobile Banking
Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.
Your Financial Partner for Life
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s offering competitive loans to help you build your business, cash management services so you can focus on your customers, or best-in-class digital banking solutions to help you manage cash flow when it’s convenient for you. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
