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FNB Commercial Checking Account Services

Account Type 1:  Commercial Interest Bearing Checking-Premium

  • $5,000 minimum to open. 
  • Minimum Average Monthly Balance:  $50,000
  • If average monthly balance is less than $50,000, a $50 monthly service fee will be applied and interest will be forfeited.
  • Monthly Item Limit (includes all debit & credit items): 250 Free, then $0.30 each above 250
  • Interest is paid monthly only when average monthly balance exceeds account minimum balance ($50,000).
  • Interest will accrue daily based on actual daily balance.
  • Accounts closed prior to end of statement cycle will forfeit accrued interest.
  • MasterCard Business Debit Card Available.  No FNB fees at foreign ATMs (charges from other banks may apply).
  • Free FNB Online Banking
  • Business BillPay Available (some fees apply). 
  • Available to all small business and commercial accounts including Incorporated or Unincorporated Associations, Organizations or Non-Profit Organizations, Sole Proprietorships, Corporations, LLCs, and Partnerships.

Account Type 2:  Commercial Interest Bearing Checking

  • $1,000 minimum to open. 
  • Minimum Average Monthly Balance:  $5,000
  • If average monthly balance is less than $5,000, a $10 monthly service fee will be applied and interest will be forfeited.
  • Monthly Item Limit (includes all debit & credit items): 250 Free, then $0.30 each above 250
  • Interest is paid only when average monthly balance exceeds account minimum balance ($5,000).
  • Interest will accrue daily based on actual daily balance.
  • Accounts closed prior to end of statement cycle will forfeit accrued interest.
  • MasterCard Business Debit Card Available. No FNB fees at foreign ATMs (charges from other banks may apply).
  • Free FNB Online Banking
  • Business BillPay Available (some fees apply).
  • Available to all small business and commercial accounts including Incorporated or Unincorporated Associations, Organizations or Non-Profit Organizations, Sole Proprietorships, Corporations, LLCs, and Partnerships.

Account Type 3:  Commercial Checking (non-interest bearing)

Account Specific Terms and Conditions:

If the minimum balance
during the month was:
The monthly charge is:
$500.00 and Over
No Charge
$400.00 to $499.99
$7.00 / month
$300.00 to $399.99
$8.00 / month

Below $299.99

$9.00 / month
  • $100 minimum to open
  • Maximum 20 checks per month, then $0.30 per check when the balance falls below $500. The term “check” includes paper checks and withdrawal receipts, but not other debits posted.  An ACH transaction will not be included in your activity count maximum of 20 items unless the payment of the transaction causes an overdraft.
  • MasterMoney debit card
  • No FNB Foreign ATM Fees (charges from other banks may apply)
  • Free FNB Online Banking
  • Business BillPay Available (some fees apply)
  • Available to all small business and commercial accounts including Incorporated or Unincorporated Associations, Organizations or Non-Profit Organizations, Sole Proprietorships, Corporations, LLCs, and Partnerships.

Please note the following which apply to all commerical checking accounts:

Overdraft Item: A fee of $30.00 will be charged for each debit transaction created by check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable.

Returned Item: $30.00 for each returned debit item.

Stop Payment Charge:  $30.00

Dormant Account:  A maintenance fee of $7.50 per month after six months dormancy. (Dormancy means no activity on the account.)

Debit Card Replacement:  $5.00

Fee for closing a demand deposit account open 90 days or less:  $15.00

Checks and deposit slips are available at customer’s expense.

Other services include referrals to free business coaching and referrals to other vendors for merchant services.