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Find the checking account that’s right for your business.

Free Business Checking

The flexible checking account for small business.

  • Unlimited transactions
  • No minimum balance
  • No monthly maintenance fee
  • No return item fees
  • Free Online Banking and Account Alerts

Analyzed Checking

The optimal checking account for established companies with formalized accounts payables and receivables.

  • Provides greater insight into cashflow and transactions
  • Earn credit allowances to support growth
  • Customized pricing
  • Access to FNBO’s Treasury Management services
  • No return item fees

Do You Need a Business Checking Account?

A business checking account is the first step in managing your business finances. You may think that a personal checking or savings account is enough, but it takes more to manage your business. We understand that a business checking account is the foundation to allow you to grow your business beyond an idea. That is why we offer our Free Business Checking product to support entrepreneurs.

  • Easier to manage your business finances
  • Additional security to protect your money
  • Helps you scale your business as you grow

Additional Features

Mobile Banking

Conveniently access your business accounts on the go.

Online Banking & BillPay

Manage and organize your business finances 24/7.

Account Alerts

Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.

A Guide to Your Checking Account (PDF)

View Deposit Agreement (PDF)

Visa Business Debit Card - Guide to Benefits (PDF)

Important Information

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

1 Refer to account disclosure and/or rate sheet for details on fees and interest, or contact a Banker for details including eligibility.

2 Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

3 A surcharge may be assessed when using a non First National Bank branded ATM.

4 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.

5 See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earnings, redemption, expiration and forfeiture (subject to applicable law). Your % back rewards are earned as points.

Maximum Credit Limit is $50,000. Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.