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Small Business Checking Accounts

Open a Business Checking Account, Earn a $500 Bonus*

Open a new Business Checking account and complete qualifying activities to earn $500* with FSB. Whether you're just starting or expanding, FSB has a business checking option designed for you.

How to Earn Your Business Checking Bonus

1

Open an Account

Open a new FSB Business Checking account online or in person with a $5,000 deposit.

2

Maintain Your Balance

Maintain an average daily balance of $10,000 between days 60 and 90 after opening.

3

Complete Required Activity

Make 15+ transactions per month and enroll in payroll processing within 90 days.

Benefits of Opening a Business Checking Account

All business checking accounts offer:

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Instant-Issue Debit Cards

Get a contactless debit card instantly at account opening.

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Business Online Banking

Access your account and pay your bills online with Business Online Banking.3

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Custom Account Alerts

Set up alerts to stay informed about your account activity.4

Icon for Local Support - A benefit of FSB's business checking account in Eastern Iowa

Local Support

Get assistance from FSB’s local support team when you need it.

I’ve been banking with FSB for over 20 years. I appreciate the way their employees know my name. It’s great to hear ‘Hi, Patty’ when I reach the drive-up window. It feels like coming home each time!
- Patty W.

What You’ll Need to Apply

Looking to open a business account with FSB? Have these documents ready:

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Business's EIN or
Tax ID Number
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Legal Formation
Documents
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Photo ID & SSN For All
Authorized Individuals

Compare FSB's Business Checking Accounts

Which checking account is right for your business?

Icon for FSB's Basic Business Checking Account in Eastern Iowa (Cedar Rapids, Marion, and more)

Basic Business Checking

Ideal for businesses with under 100 monthly transactions.

Key Benefits:

  • Minimum opening deposit: $100

  • No monthly fee when you maintain the required balance1

  • Enjoy 100 free transactions per month; then $0.25/item1

Learn More

Icon for FSB's Business Checking Account in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Business Checking

Ideal for businesses with 100-200 monthly transactions.

Key Benefits:

  • Minimum opening deposit: $100

  • No monthly fee when you maintain the required balance1

  • Enjoy 200 free transactions per month; then $0.25/item1

Learn More

Icon for FSB's Commercial Checking Account in Eastern Iowa (Cedar Rapids, Marion, and more)

Commercial Checking

Ideal for businesses with 200+ monthly transactions.

Key Benefits:

  • Minimum opening deposit: $100

  • No minimum daily balance

  • $10 monthly maintenance fee1

  • No free transactions, subject to analysis and deposit fees2

Learn More

Icon for FSB's Business Checking Plus Account in Eastern Iowa (Cedar Rapids, Marion, and more)

Business Checking Plus

Ideal for sole proprietors or non-profits looking to earn interest.

Key Benefits:

  • Minimum opening deposit: $100

  • Variable Interest Rate (See current rates)

  • No monthly fee when you maintain the required balance1

  • Enjoy 200 free transactions per month; then $0.25/item1

Learn More

Icon for FSB's Community Business Checking Account in Eastern Iowa (Cedar Rapids, Marion, and more)

Community Checking

For qualified community organizations looking for benefits.

Key Benefits:

  • Minimum opening deposit: $100

  • No minimum daily balance or monthly maintenance fees1

  • Enjoy 300 free transactions per month; $0.25 per item1

Learn More





























Advanced Treasury Services For Your Business

Level up your cash flow and payment processes with these powerful business services:

Icon for Business ACH Services - a payables solution offered by FSB (Eastern Iowa)

ACH Services

Get a contactless debit card instantly at account opening. Learn more ›

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Wire Transfers

Send money securely with same-day processing. Learn more ›

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Remote Deposit

Deposit checks from your office using a desktop scanner. Learn more ›

Icon for Local Support - A benefit of FSB's business checking account in Eastern Iowa

Fraud Mitigation Services

Protect your business with tools like Positive Pay and ACH filter services. Learn more ›

Not Sure Which Account Fits Your Business Needs?

Fill out the short form below, and an FSB business banker will help match you with the right account.

 
Business owner enjoying FSB's Bill Pay Service in Eastern Iowa (Cedar Rapids, Marion, and more).
Open Your Account Today

Apply online in just a few minutes. Your bonus is waiting.*