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Welcome To Our New Website!
FNBA offers four business checking accounts built for different stages of business growth. Compare them side by side and choose the one that matches how your operation actually runs.
| Feature | Small Business Checking | Commercial Checking | Business NOW Checking | Business Money Market Checking |
| Best For | Sole proprietors, freelancers, and small businesses with moderate monthly activity | Established businesses, commercial operators, and professional firms with high-volume transactions | A business that wants the ability to have everyday spending and earn interest | The business that wants to have check writing capabilities, grow a higher balance, and earn tiered interest |
| Monthly Service Fee | None when minimum daily balance is maintained | 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 | None when minimum daily balance is maintained | Must maintain a daily balance of: $2,500 or more: NO CHARGE $1,000 – $2,499.99: $2.50 fee below $1,000: $10.00 fee |
| Minimum daily Balance | $1,000 | Balance-based credits offset applicable monthly fees | $300 | $2,500 |
| Items / Month | Up to 200 items per month | More than 200 items per month | Non- Applicable | Non- Applicable |
| Business Digital Banking (Cash Management) | Yes, Business Digital Banking includes balance inquiries, transfers, bill pay, e-Statements, and advanced employee access controls. ACH origination and Remote Deposit Capture available with approval. | Yes, Business Digital Banking includes balance inquiries, transfers, bill pay, e-Statements, and advanced employee access controls. ACH origination and Remote Deposit Capture available with approval. | Yes, Business Digital Banking includes balance inquiries, transfers, bill pay, e-Statements, and advanced employee access controls. ACH origination and Remote Deposit Capture available with approval. | Yes, Business Digital Banking includes balance inquiries, transfers, bill pay, e-Statements, and advanced employee access controls. ACH origination and Remote Deposit Capture available with approval. |
| Dedicated Banker | Yes, South Jersey branch manager is available by phone or at a branch | Yes, South Jersey branch manager is available by phone or at a branch | Yes, South Jersey branch manager is available by phone or at a branch | Yes, South Jersey branch manager is available by phone 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. | Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category. | Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category. | Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category. |
Member FDIC. Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.
If your monthly transaction volume exceeds 200 items or your business needs evolve, you can transition to Business Checking account that better fits your needs. Just speak with a South Jersey FNBA banker, and we will walk you through the upgrade with no disruption to your day-to-day banking.
All FNBA business accounts can be opened at a South Jersey branch. Call us at 609-641-6300 or visit your nearest branch to get started.
Yes. Some businesses maintain both a Small Business Checking account and a separate account for specific purposes, such as payroll or operating expenses. Speak with a South Jersey FNBA banker to determine the best structure for your business.
Visit any FNBA branch in South Jersey to open your account. All account decisions are made locally by South Jersey bankers who know your community.
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