Commercial Checking Accounts

Whether your business is big or small, we have an account that will work for you.


The FSB Small Business Checking Account is a starter account for small businesses such as sole proprietorships and DBA entities. Ideal for businesses with a small volume of checks and deposits clearing through the account. 

  • Minimum Deposit to Open: $200
  • Account Maintenance Fee Options:
    • If you opt for the FSB Small Business EPlus Checking account, which requires eStatements, and you maintain a Daily Balance of $750.00 or more during the statement cycle, you will not incur a monthly maintenance charge.
    • If you wish to have a printed monthly statement, and you maintain a Daily Balance of $750.00 or more during the statement cycle, you will incur a monthly maintenance charge of $5.00 per month.
    • If you opt for the FSB Small Business EPlus Checking account, which requires eStatements, and your Daily Balance falls below $750.00 during the statement cycle, you will incur a monthly maintenance charge of $7.00 per month.
    • If you have printed monthly statements and your Daily Balance falls below $750.00 during the statement cycle, you will incur a monthly maintenance fee of $12.00.  
  • There will be no charge for basic Online Banking service.  If you choose to use our online Bill Pay service, you will receive ten free Bill Payments each statement cycle, and then all additional Bill Payment transactions will incur a charge of $0.75 per transaction.
 
 

The Commercial Checking Account is designed for a business that maintains a higher balance and runs a large volume of checks through the account. 

  • Minimum Deposit to Open: $200
  • Account Maintenance Fee of $8.00 per month if your monthly statement is mailed, or $6.50 per month if you opt for eStatements
  • Fee of $0.15 each per debit item
  • Fee of $0.045 each for clearing checks
  • Commercial Accounts are charged by Account Analysis
  • Interest Credit: Collected balance less 3%
  • Reserves at a variable interest rate, which is subject to change daily
  • $1.50 per month for each FSB Mastercard Business Debit Card


Questions about our business accounts? Give us a call at (800) 600-7117.