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Running a Business in South Jersey? Bank With the People Who Live Here Too.

FNBA understands small business because we are one. We make local decisions, answer the phone when you call, and sit across the table from you when it matters most.

Whether you run a shop on the White Horse Pike, a contracting crew out of Galloway, a solo entrepreneur in Northfield, or a nonprofit serving South Jersey families, FNBA has the accounts, tools, and bankers to help you run your business with confidence.

Small Business Checking. Simple. Local. Built for the Way You Work.

Free when a $1,000 daily minimum balance is maintained and no more than 200 items are processed each month.

Your business checking account should work as hard as you do. FNBA Small Business Checking gives you the everyday banking tools you need without the fees that eat into your margins.

No monthly service fee

Maintain a $1,000 daily minimum balance and pay nothing. $15 service fee if balance falls below $1,000 any day of the month. 

Up to 200 items/month

Process up to 200 checks or debits per statement cycle at no additional charge.

Free Mastercard® debit card

Debit card accepted everywhere. Contactless for easy use.

Free online banking

View balances, transfer funds, and manage accounts anytime.

Free bill pay

Schedule and send payments directly from your account online.

Direct deposit

Receive payments and payroll directly into your account.

FDIC insured

Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.

Minimum balance requirement applies to avoid fees. Over-limit transaction fees may apply above 200 items. See a banker for full terms.

Business Statement Savings. Put Your Reserves to Work.

Keeping a cushion in your business is smart. FNBA Business Savings lets you earn interest on every dollar you set aside, with no complicated tiers or hoops to jump through.

No hidden fees

Straightforward savings with no surprises.

Easy transfers

Move funds between checking and savings instantly online or at a branch.

FDIC insured

Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.

Merchant Services. Accept Card Payments Anywhere.

Your customers want to pay the way that works for them. FNBAs third-party Merchant Services Provider gives you the tools to accept credit and debit cards in-store, on the go, or online, with simple setup and local support when you need it.

Business Line of Credit. Flexible Capital When You Need It.

Cash flow doesn’t always follow a schedule. FNBA’s Business Line of Credit gives you access to revolving funds you can draw on as needed, for inventory, payroll, equipment, or any short-term business need. Decisions are made locally by bankers who understand South Jersey business.

Business Line of Credit subject to credit approval. Terms and conditions apply. See a banker for details.

Digital Banking Built for Business.

FNBA’s digital banking tools let you manage your business finances without leaving the job site. Everything you need, available 24/7.

Local Decisions. No Waiting.

When you bank at FNBA, your application is reviewed by bankers who know this market, understand local business, and can give you a real answer fast.

Let's Talk About Your Business.

Whether you’re opening your first business account or looking to grow, FNBA’s business bankers are ready to sit down with you. No pressure. Just a real conversation about what your business needs.

Common Questions

Is there a minimum balance for Small Business Checking?

Yes. FNBA Small Business Checking requires a $1,000 daily minimum balance to avoid a monthly service fee. If your balance drops below that threshold, a $15.00 service fee applies for that statement cycle. See a banker for current fee details.

Yes. FNBAs third-party Merchant Services provider can be set up alongside your FNBA business checking account. Our team will walk you through the setup and make sure everything connects the way you need it to.

A Business Line of Credit gives you access to a set amount of revolving funds. You draw what you need, pay it back, and can draw again. It’s designed for short-term needs like purchasing inventory, or managing seasonal cash flow. Talk to a banker to find out what you may qualify for.

Have questions about our solutions?

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