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Business Checking

When it comes to free checking, we’re all business.

One of the keys to running a successful business is keeping profits up and costs down. A Totally Free Business Checking Account is a great place to start
Our hard-working accounts offer all the services your business needs, whether you’re expanding or just starting out.

Plus, when you open your new account, you'll get something else: a free gift to say thank you. We'll also buy back your unused check or debit card from another financial institution and apply a $25 credit to your new account.

Totally Free Business Checking
Perfect for most businesses! A free account for your business needs.

Business Analysis Checking

For the larger businesses with complex banking needs.  Earnings allowance from deposit balances may offset activity fees.

Want to compare these accounts side by side?

*Every new Business Checking account comes with:

  • FREE VISA® Debit Card
  • FREE Mobile Banking
  • FREE Remote Deposit
  • FREE Online Banking & Bill Pay
  • FREE Statements-eStatements or Paper Statements
  • FREE Online Check Images
  • FREE Gift to thank you for your business 
Plus, we will buy back your unused business checks or debit card from a different financial institution for a $25 credit to your account.

Checking Account Comparison

Account Details

Totally Free Business Checking

  • 3000 FREE monthly transaction items
  • Up to $10,000 in coin and currency deposits or withdrawals, including change orders per month FREE
  • No minimum balance
  • No monthly service charge
  • No minimum opening deposit
  • Fee Schedule

Business Analysis Checking

  • Monthly maintenance fee, plus account activity fees for debits, credits and deposited checks
  • Earnings credit allowance from deposit balances may offset activity fees. 
  • No minimum opening deposit
  • Fee Schedule

To help in opening your new business accounts, we may request the following:

Sole Proprietor/DBA Limited Liability Corp (LLC) Partnership Not-For-Profit Organization Corporation
  • SSN or TIN of Owner
  • TIN of LLC
  • Articles of Organization
  • Operating Agreement
  • TIN of Partnership
  • Partnership Agreement
  • Certificate of Partnership
  • TIN of Organization
  • If incorporated, follow corporation guidelines
  • If Tax-exempt, IRS documentation or tax return
  • If not tax-exempt, authorized letter
  • TIN of Corporation
  • Articles of Incorporation 
Additional documents and/or state registration may also be required. Contact your First State Bank Personal Banker and/or New Accounts Representative for further information.
*Unless specified otherwise customer purchases checks.  Other fees such as overdraft, continuous overdraft, etc. may apply. See fee schedule for detailsBank rules and regulations apply.  Transaction items include all debits, credits and deposited items.  If the Totally Free Business Checking account exceeds 3,000 free monthly transaction items, $10,000 in monthly coin and currency deposits or withdrawals (including change orders) or requires additional regulatory oversight; the account may be converted to Business Analysis Checking, which includes additional fees.  $25 for checks and debit cards from another financial institution. Your account will be credited at the time the checks/debit cards are presented. Free gift provided at the time of account opening.