Business Checking

Keep your business running smoothly and efficiently with a business checking account that fits your needs. That’s the Power of Yes! First Commerce offers business checking account options for businesses and organizations of all sizes.


The Power to Manage Your Business

Free & Interest-Earning Checking

24/7 Digital Banking

Mobile and Remote Deposit

Easy Bookkeeping Features

Choose Your Checking Account

Free Business Checking

Give your business the advantage of keeping more of the money earned! A Free Business Checking account from First Commerce is ideal for small businesses because it’s completely free.

  • Any Requirements? – No
  • Features/benefits
    • Digital Banking, BillPay, QuickBooks integration, and user management
    • Unlimited transactions and check writing
    • Mobile and remote deposit services for qualified businesses
    • No charge for cash handling (in or out) up to $10,000 per month (a $1.25 per thousand fee applies to cash transactions in excess of $10,000)

Community Interest Checking

Our Community Interest Checking account is free and specifically designed for associations and nonprofit organizations.

  • Minimum deposit amount – No minimum
  • Monthly fees – No – With average daily balance of $2,500
  • Earns interest? – Yes – Tiered dividends based on average daily balance
  • Features/benefits
    • Tiered dividends based on average daily balance
    • No monthly maintenance fees with average daily balance of $2,500 (otherwise $10 monthly fee applies)
    • No limit on number of transactions
    • 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 (a $1.25 per $1,000 fee applies to anything in excess of $10,000)
    • Unlimited use of online and mobile banking services, including BillPay, as well as real-time text and email alerts to help you stay on top of your account
    • Mobile and remote deposit services for qualified businesses
    • User management feature that lets you add separate users who each have their own unique login ID, password, and account rights

Plus Analysis Business Checking

Earn real interest on 98% of your collected balance and realize true gains for your business. A Plus Analysis Business Checking account is perfect for businesses with a higher number of transactions.

  • Minimum deposit amount – No minimum balance
  • Monthly fees – $10 monthly maintenance fee
  • Earns interest? – Yes – Earn competitive interest on the balance in your account
  • Features/benefits
    • No charge for cash handling (in or out) up to $10,000 per month (a $1.25 per $1,000 fee applies to cash transactions in excess of $10,000)
    • Competitive fees charged only for the transactions you conduct
    • Export your transaction activity into Quicken, QuickBooks and other programs for easy bookkeeping
    • Unlimited use of online and mobile banking services, including BillPay, as well as real-time text and email alerts* to help you stay on top of your account
    • Mobile and remote deposit services for qualified businesses
    • Invitations to small business seminars featuring locally and nationally recognized speakers
    • User management feature that allows you to add separate users who each have their own unique login ID, password, and account rights

Free Business Checking

Give your business the advantage of keeping more of the money earned! A Free Business Checking account from First Commerce is ideal for small businesses because it’s completely free.

  • Any Requirements? – No
  • Features/benefits
    • Digital Banking, BillPay, QuickBooks integration, and user management
    • Unlimited transactions and check writing
    • Mobile and remote deposit services for qualified businesses
    • No charge for cash handling (in or out) up to $10,000 per month (a $1.25 per thousand fee applies to cash transactions in excess of $10,000)

Plus Analysis Business Checking

Earn real interest on 98% of your collected balance and realize true gains for your business. A Plus Analysis Business Checking account is perfect for businesses with a higher number of transactions.

  • Minimum deposit amount – No minimum balance
  • Monthly fees – $10 monthly maintenance fee
  • Earns interest? – Yes – Earn competitive interest on the balance in your account
  • Features/benefits
    • No charge for cash handling (in or out) up to $10,000 per month (a $1.25 per $1,000 fee applies to cash transactions in excess of $10,000)
    • Competitive fees charged only for the transactions you conduct
    • Export your transaction activity into Quicken, QuickBooks and other programs for easy bookkeeping
    • Unlimited use of online and mobile banking services, including BillPay, as well as real-time text and email alerts* to help you stay on top of your account
    • Mobile and remote deposit services for qualified businesses
    • Invitations to small business seminars featuring locally and nationally recognized speakers
    • User management feature that allows you to add separate users who each have their own unique login ID, password, and account rights

Community Interest Checking

Our Community Interest Checking account is free and specifically designed for associations and nonprofit organizations.

  • Minimum deposit amount – No minimum
  • Monthly fees – No – With average daily balance of $2,500
  • Earns interest? – Yes – Tiered dividends based on average daily balance
  • Features/benefits
    • Tiered dividends based on average daily balance
    • No monthly maintenance fees with average daily balance of $2,500 (otherwise $10 monthly fee applies)
    • No limit on number of transactions
    • 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 (a $1.25 per $1,000 fee applies to anything in excess of $10,000)
    • Unlimited use of online and mobile banking services, including BillPay, as well as real-time text and email alerts to help you stay on top of your account
    • Mobile and remote deposit services for qualified businesses
    • User management feature that lets you add separate users who each have their own unique login ID, password, and account rights

Rates are accurate as of April 14, 2024 and are subject to change without notice.

To learn more about your Debit Mastercard® Business Card, view the full Mastercard® Guide to Benefits for Small Business Cardholders.

To open an account or get more information, contact our Business Services Team or visit one of our locations.

Account Opening Guide

Account Opening Guide

Make sure you have everything you need for opening your business account by downloading the appropriate Account Opening Guide: Florida Business Services Account Opening Guide Georgia Business Services Account Opening Guide

Member Testimonial

“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.”

Member Testimonial

Open a Business Checking Account

To open an account or get more information, contact our Business Services Team or visit one of our locations.

Business Resources

Business Treasury Management Services

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

Business Credit Cards

Get the purchasing power to move your business forward with a business credit card.

Digital & Mobile Banking

Digital & Mobile Banking

Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.

Business Treasury Management Services

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

Business Credit Cards

Get the purchasing power to move your business forward with a business credit card.

Digital & Mobile Banking

Digital & Mobile Banking

Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.

Your Financial Partner for Life

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 80 years of financial expertise.