Banking Features to Support Every Business
Online Check Images
View your business checks and statements at no additional cost.
Business Debit Cards
Manage expenses with business tools, online account management, theft protection and more.
Online and Mobile Banking
Manage your accounts anytime, anywhere with secure online and mobile banking solutions.
Online Bill Pay
Pay your bills through Online Banking or the FNBizApp for the first two months at no charge.
Find the Checking Account That Meets Your Needs
| Account | Business First Checking | Business Flat-Fee Checking | Business Interest Checking | Interest on Lawyers Trust Account (IOLTA) |
|---|---|---|---|---|
| Description | Designed to separate your business and personal finances | Take the guesswork out of monthly service charges | Earn competitive interest rates | Designed to hold attorney trust funds with the interest paid to the Alaska Bar Foundation to benefit individuals unable to afford an attorney. |
| Minimum Deposit to Open | None | None | None | None |
| Monthly Service Fees1 | $7, waived with minimum daily balance of $10,0002 | $12, waived with minimum daily balance of $5,0002 | $12, waived with minimum daily balance of $5,0002 | None |
| Transaction Fees3 | First 100 transactions free, $0.25 each thereafter | First 400 transactions free, $0.35 each thereafter | First 200 transactions free, $0.35 each thereafter | |
| Standard Mailed Statement Fee4 | $1, waived if you sign up for electronic statements | $1, waived if you sign up for electronic statements | $1, waived if you sign up for electronic statements | $1, waived if you sign up for electronic statements |
| Benefit and Features | Earn interest on collected funds at a competitive rate (daily-balance-computation method) | Earn interest on collected funds at a competitive rate (daily-balance-computation method) Unlimited check writing |
Need to reorder checks? Browse a catalog of check designs and related accessories, and more with Deluxe, First National’s check vendor.
See our current annual percentage yield (APY) and balance tiers.
Statements Your Way
Paper Statements
Printed paper statements are available for a monthly fee. If you choose this option, you can include standard or enhanced check images with your paper statements for an additional fee.4
Electronic Statements and Notices
Avoid the paper statement mailing fee when you receive your account statements electronically.5
Safe and Secure
Your funds are protected by First National’s more than 100-year track record of sound fiduciary oversight. Deposit accounts at First National are insured by the FDIC up to the standard maximum deposit insurance amount ($250,000) per depositor for each account insurance ownership category.
Download the Mobile FNBizApp
Turn your smartphone into a high-powered business account management tool on the go with First National’s FNBizApp. Check balances, pay bills, make transfers, and even digitally deposit checks into your business account with just a few taps.
Must be a First National customer and enrolled in online banking.
Peace of Mind for Your Sole Proprietor Business
Need a little extra protection for your checking account? Find the overdraft protection that works for your business.
Mastercard® Overdraft Protection
- What you need: A checking account and a First National Mastercard.
- How it works: If you write a check, use your debit card, or conduct another transaction for more than the balance in your account, automatic cash advances (in multiples of $50) will be deposited into your checking account from the available line of credit on your Mastercard account.
- Cash Advance Fees and monthly interest charges may apply for this service.
Savings Overdraft Protection
- What you need: A checking and savings account.
- How it works: If you write a check, use your debit card, or conduct another transaction for more than the balance in your account, funds are automatically transferred from your savings account to cover the overdrawn amount and the transfer fee.
We’re Here to Help
As Alaska’s community bank, we want to get to know you and your business so we can recommend a checking account that best meets your needs.
Fees
View our Business Account Fee Schedule for more information.
Disclosures
- Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).
- Minimum daily balance refers to the amount of funds required in your account to avoid monthly service fees.
- Transactions refers to any combination of paid checks, in-person or ATM withdrawals, point of sale transactions, ACH debits or credits, deposits and deposited items, including paper and electronic.
- Paper Statements
- Mailed statements without check images: $1 each
- Mailed statements with standard check images: $4 each
- Includes images of check fronts only 20 check images per page (10 each side) or 36 checks per page (18 each side).
- Mailed statements with enhanced check images: $6 each
- Includes images of check fronts and backs, or fewer but larger images per page than the Mailed Standard Check Image Statement.
- Electronic Statements
- Email notifications when your electronic statement is available in your online banking portal.
- Electronic statements remain available in your online banking portal for up to 24 months.
- Our standard online account statements display images of the front and back of all checks processed during the statement period, five checks per sheet (images are acceptable in court and by the IRS).
First National Bank Alaska reserves the right to analyze the activity of all business accounts and charge accordingly.