Welcome To Our New Website
Welcome To Our New Website
FNBA business checking accounts are built for how South Jersey businesses actually operate. Straightforward pricing, no surprises, and a banker who picks up the phone when you call. Whether you are a sole proprietor, a growing small business, or an established commercial operation, FNBA has a checking account that fits the way you work.
FNBA offers two business checking accounts designed to match the transaction volume and operational needs of your business. Both accounts include local decision-making, a South Jersey banker you can call, and the tools your business needs to run efficiently.
Ideal for sole proprietors, freelancers, and small businesses with a moderate monthly transaction volume. Enjoy no monthly service fee when you maintain the required minimum daily balance and stay within the monthly item limit.
| Feature | Details |
| Monthly Service Fee | No monthly fee when minimum daily balance is maintained |
| Minimum daily Balance | $1,000 |
| Monthly Item Limit | Up to 200 items per month (0.40 per item over 200 items) |
| Online Bill Pay | Available through Business Digital Banking |
| e-Statements | Free; paper statements also available for a small fee |
| Mastercard® Debit Card | Free business Mastercard debit card |
| 24-Hour Telephone Banking | 1-866-809-0301 |
| Local Decisions | Account serviced by South Jersey bankers |
| FDIC Insured | Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category. |
Designed for established businesses, professional firms, and commercial operations that process higher monthly transaction volumes. Earnings credits based on your account balance help offset any applicable service fees, so your money works harder the more you bank with FNBA.
| Feature | Details |
| Monthly Item Volume | Built for businesses processing over 200 items per month |
| Service Fee | Monthly maintenance fee is calculated which is $10.00, plus 0.25 per deposit, 0.15 per item paid, and 0.10 per item deposited |
| Online Bill Pay | Available through Business Digital Banking |
| e-Statements | Free; paper statements also available for a small fee |
| Mastercard Debit Card | Free business Mastercard debit card |
| 24-Hour Telephone Banking | 1-866-809-0301 |
| Local Decisions | All account decisions made in-house |
| FDIC Insured | Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category. |
Earnings Credits: Balance-based credits offset applicable monthly fees. . The maintenance fee is then offset by an earnings credit based on the following schedule: 5.9% (annual rate) on average available balances $10.00 and over, and 4.1% (annual rate) on average available balances $5,000 – $9,999.99, and 2.3% (annual rate) on average available balance $4,999.99 and under.
FNBA believes business owners deserve to know exactly what they are paying for. Our Small Business Checking account has two simple rules: maintain a $1,000 minimum daily balance and process no more than 200 items per month, and there is no monthly service fee. That’s it.
Condition | Small Business Checking | Commercial Checking |
Minimum daily Balance | $1,000 | Balance-based credits offset applicable monthly fees |
Monthly Item Limit | Up to 200 items/month | Over 200 items/month |
Monthly Service Fee | None when conditions are met | Offset by earnings credits |
Earnings Credits | Not applicable | Yes, balance-based |
When you call FNBA, a real South Jersey banker answers. Your account is managed locally, your questions are answered by people who know the community, and any decisions about your account are made here. That’s the FNBA difference.
Your business checking account is just the beginning. FNBA offers a full suite of business banking products to support every stage of your growth.
Park surplus funds in a Business Savings account that earns interest
Accept credit cards, wireless payments, electronic checks, and gift card programs at competitive rates.
ACH origination, Remote Deposit Capture, multi-account management, employee access controls, and real-time balance alerts, all in one platform.
Visit any FNBA branch in South Jersey to open your business checking account.
Fill out the form, and a member of our team will reach out soon.