Welcome To Our New Website!
Welcome To Our New Website!
From checking accounts to commercial loans, FNBA delivers the full spectrum of business banking, with local decisions, personal service, and the confidence that comes from more than 100 years serving South Jersey businesses.
Every loan and account decision is made right here in South Jersey. You speak directly with a banker who knows your market.
You get a dedicated relationship manager, not a ticket number. We take the time to understand your business goals and build a plan around them.
Banking South Jersey for more than 100 years of community banking. FNBA has grown alongside the businesses and families of Atlantic County and beyond.
Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.
From the day you open your doors to the day you expand your third location, FNBA has the tools and the team to support every stage of your business.
Keep more of what you earn. FNBA Small Business Checking includes free transactions up to 200 items per month, and no monthly service fee when you maintain a $1,000 minimum daily balance. Business Checking isa Commercial account tailored for larger businesses earning credits on balances.
Put your idle cash to work. FNBA Business Money Market Accounts deliver competitive tiered interest rates while keeping your funds accessible. The account functions as a savings account but includes features of a checking account. Business Money Market: tiered interest rates (see /rates/ for current APY)
Grow on your terms. FNBA makes credit decisions locally, so you get answers quickly. We offer a full range of commercial loan products tailored to South Jersey businesses.
Accept more, keep more. FNBAs third party Merchant Services provider equips your business to process credit and debit card payments in-store, wirelessly, and online, with the reporting tools to stay on top of every transaction.
Bank on your schedule. FNBA Business Digital Banking puts full control of your accounts in your hands, any time of day or night, from checking balances to initiating ACH transfers to capturing deposits from your desk.
Visa® credit cards issued by TCM Bank, N.A. Separate business spending from personal expenses, issue cards to employees at no extra cost, and manage everything through the eZBusiness portal.
Business Money Market | Min Balance | Rate | APY |
0 – 24,999.99 | 0.03% | 0.03% | |
25,000.00 – 49,999.99 | 0.03% | 0.03% | |
50,000.00 – 149,999.99 | 0.05% | 0.05% | |
| 150,000.00 & Over | 0.10% | 0.10% |
You will need: Two valid forms of ID. (1) a valid, unexpired government-issued photo ID for all signers; (2) your Employer Identification Number (EIN); sole proprietors may use SSN if no EIN; (3) business formation documents (Articles of Incorporation, LLC Operating Agreement, Partnership Agreement, or equivalent); (4) a DBA or fictitious name certificate if operating under a trade name; and (5) beneficial ownership information for all individuals with 25% or greater ownership interest, plus one individual with significant managerial control (required by federal law since May 2018). Not sure what applies to your entity type? Call us at 609-641-6300.
Business accounts at FNBA are opened in-branch with a dedicated business banker. This ensures we can review your formation documents, verify ownership information, and match you with the right account for your business needs.
Because FNBA makes all credit decisions locally, right here in South Jersey, we can move fast. Timeline varies by loan type and complexity: lines of credit and equipment loans are typically quicker than commercial real estate transactions. Your relationship manager will give you a realistic timeline during your initial consultation.
FNBA Small Business Checking requires an minimum daily balance of $1,000 to avoid the monthly service fee, and it includes up to 200 free transaction items per month. The Commercial Checking account uses an earnings credit structure; balances earn credits that offset account service charges.
FNBA serves the full range of South Jersey businesses, from sole proprietors and LLCs just getting started, to established corporations . Our staff is ready to serve your business needs.
Our business bankers are ready to help. Tell us about your business and we will be in touch within one business day.
Fill out the form, and a member of our team will reach out soon.
