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Business Checking Accounts

Accounts to Manage Your Business’s Money

Your business is different from any other. At First Option Bank, we don’t believe in providing cookie cutter solutions to our business customers. That’s why you can choose from several accounts. When you open an account, you'll receive a free Instant Issue Visa® Debit Card with no annual fee.

You can open a business checking account by visiting any First Option Bank location.

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Choose Your Checking Account

Account NameChoose this account if…Opening BalanceFeesAccount Benefits

Basic Business Checking

You are a business that will have a low transaction volume each month.


$10.00 monthly service charge.  If you exceed 200 items during the monthly cycle, you incur a fee of $0.10 per item.  An earnings credit is available to offset the charge. 

No minimum balance required.


200 free items per month.


Business Internet Banking included.  Manage internet banking users, accounts, e-statements, and more.


An earnings credit based off your daily average collected balance available to offset service charges.

Commercial Checking

You are a corporation, sole proprietorship or partnership requiring a higher transaction volume each month


$10.00 monthly service charge


$0.07 per deposited item fee

Earnings credit calculated by daily average collected balance.


Business Internet Banking included.  Manage internet banking users, accounts, e-statements, and more.


No minimum balance requirement after opening account

Public Funds

You are a publicly-funded organization or agency


$5.00 monthly service charge if $500 minimum balance is not maintained

$0.15 per item fee after first 25 checks

25 free checks per month (ACH transactions not included)

No monthly service charge when minimum balance of $500 is maintained

Business Money Market

You are a corporation, sole-proprietorship, non-profit corporation, non- profit organization or a publicly-funded agency and want an interest-bearing account


Customer is subject to loss of interest if balance falls below $500

$1.50 fee for each withdrawal or transfer after first 6 transactions or checks to a third party

If account is closed before interested is credited, accrued interest is forfeited

6 free transactions or checks per month to a third party

Interest calculated using Daily Collected Balance Method and credited monthly


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Ready to experience the difference of working with First Option Bank? Complete our online switch kit to get all the paperwork taken care of so you can take the hassle out of switching your accounts.

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