Business Checking

Business Checking

The future of our neighborhoods comes from the businesses that support them.  Because City First values your business’ contribution to the community, we'll focus on supporting your financial needs so you can focus on growing your business.

Basic Business Checking is made for small businesses with limited monthly checking activity that need access to almost all checking account funds every month.

SMART Business Checking is made for businesses that expect moderate monthly checking activity and can maintain a minimum monthly balance.

First Premier Business Checking  is made for businesses that maintain higher account balances, sustain a high volume of monthly activity, and utilize multiple cash management services. An earnings credit is applied against service fees which can result in low-cost or no-cost checking account service. First Premier Business Checking service options include:

  • Automated Clearing House (ACH) Originations and Direct Deposit - From payroll and other types of disbursements to collecting contributions such as home owner association or condo fees, City First gives you the tools for automatically collecting funds and making direct deposits to employee or customer accounts.
  • First Deposit Remote Capture makes it safe and convenient to deposit your checks at any time you choose, without ever leaving your place of business.
  • First Protect Positive Pay gives you an effective, easy-to-use, and flexible risk management solution to single out exceptions like duplicate transactions or check number mismatches, to monitor discrepancies, and to combat fraudulent activity with robust positive pay procedures.
  • Check Imaging - The check image included with every City First account makes record-keeping a snap.
     
 
  Basic Business Checking
Minimum to Open $500
Monthly Service Charge $10
Minimum Balance Requirement None
Account Transaction Fees The first 10 transaction items a month are free.  A fee of $0.25 per transaction item is charged thereafter.
 
  SMART Business Checking
Minimum to Open $1,500
Monthly Service Charge $15 monthly service charge if account balance falls below the required minimum.
Minimum Balance Requirement $1,500
Account Transaction Fees The first 100 transaction items a month are free. A fee of $0.25 per transaction item is charged thereafter.

 
  First Premier Business Checking
Minimum to Open $1,500
Monthly Service Charge $12 monthly service charge for each of the first 2 accounts.  $3 monthly service charge for subsequent accounts.
Minimum Balance Requirement None
Account Transaction Fees $0.12 per transaction item a month
Account Analysis Both monthly service charge and transaction fees are assessed and analyzed against a monthly earnings credit, which may help to offset these charges and fees. Contact us for more details.

* For more information, or to request a copy of our Truth in Savings Act Disclosure, please click here.

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