Business Solutions
Explore flexible business solutions, convenient banking tools, and personalized support from a local team that understands your business and is committed to helping you grow.
Available Services for business checking accounts:
- Instant Issue FCB MasterMoney® Business Debit Card (includes your business name!)
- FCB Business Credit Card (includes your business name!)
- Business Direct (Cash Management Software)
- Deposit Express
- Online, Mobile, Tablet, or Telephone Banking
- Mobile Deposit
- Business Bill Pay
- Merchant Services
- Night deposit bag & lock, zipper bag, or key
- Endorsement stamp
Simplified Business Checking
This account is great for new or small businesses. It has the flexibility to grow as your business does.
Account Details
- Minimum opening deposit - $25
- Minimum daily balance - $0.01
- No monthly service charge
- No statement processing fee
- Deposits – Free
- Deposited and paid items – 200 free (Additional 100 free items with e-Statement enrollment)
- Additional transactions - $0.40
Commercial Checking
This account is ideal for businesses with higher balances and activity than the typical Simplified Business customer. It offers a monthly earnings credit that may offset fees.
Account Details
- Minimum opening deposit - $25
- Minimum daily balance - $1,000
- Monthly service charge - $10 (Assessed only if account falls below minimum daily balance)
- Statement processing fee - $5 (Waived with e-statement enrollment)
- Deposits – Free
- Deposited items – $0.07 each (Earnings credit available to help offset fee costs)
- Paid items – $0.16 each (Earnings credit available to help offset fee costs)
- Sweep Account/Repurchase Agreement Available
Commercial Interest Checking
This account is designed for businesses with high balances, but low activity.
Account Details
- Minimum opening deposit - $25
- Minimum daily balance - $1,000
- Minimum daily balance to earn interest - $1,000 (View Rates and details)
- Monthly service charge - $10 (Assessed only if account falls below minimum daily balance)
- Statement processing fee - $5 (Waived with e-statement enrollment)
- Deposits – Free
- Deposited items – $0.07 each
- Paid items – $0.16 each
Commercial Money Market
This account is a great way for businesses to earn interest on surplus funds.
Account Details
- Minimum opening deposit - $1,000
- Minimum daily balance - $1,000
- Minimum daily balance to earn interest - $0.01
- Monthly service charge - $10 (Assessed only if account falls below minimum daily balance)
- No statement processing fee
- Deposits and deposited items – Free
- Paid items – Six (6) free per statement cycle ($10/additional transaction)
Jumbo Commercial Money Market
This account is a great for businesses who have larger amounts of surplus funds and have their primary business checking account with FCB.
Account Details
- To qualify for the higher rates, a Primary Business Checking account must have a minimum of four (4) debits and two (2) credits per statement cycle.
- Minimum opening deposit - $1,000
- Minimum daily balance to earn interest - $100,000
- Minimum daily balance - $0.01
- No statement processing fee with e-statements
- Deposits and deposited items – Free
- Paid items – Six (6) free per statement cycle ($10/additional transaction)
Contact one of our Business Services Representatives to find out how FCB Banks can help with your business banking needs
Click here for our Business Services Application or contact one of our Senior Account Executives below.
Dianne Riley
Division: Business Services Representative
Location: Collinsville (Hwy 157)
Phone: (618) 855-8925
Susan Dillon
Division: Business Services Representative
Location: Columbia
Phone: (618) 719-2705
Pam Wood
Division: Business Services Representative
Location: Troy
Phone: (618) 505-0960