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More Benefits, More Savings.

Accounts to Fit Your Business Needs

Explore Our Small Business Checking Solutions

Superior Personalized Service for Your Business Needs

Totally Free Business Checking

  • No minimum balance
  • No monthly service charge
  • 1,000 free monthly transaction items1
  • Up to $10,000 currency deposited per month at no charge2
  • Only $50 deposit to open
  • Free detailed analysis of account activity

Business Interest Checking

  • Competitive interest
  • 1,000 free monthly transaction items1
  • Up to $10,000 currency deposited per month with no charge2
  • Only $50 deposit to open
  • $1,500 minimum balance to avoid a low monthly fee of $8
  • Free detailed analysis of account activity


To open a business account: visit a branch, call us at 800.290.1112, or mail your completed application. 

American First Checking Accounts to Fit Your Needs

Choose the account that's right for you and receive all the benefits of becoming an American First member. Plus, get a free gift when you open a checking account or refer a friend to open an account!

To assist in opening your new account, we may request the following:

Sole Proprietor

  • SSN or TIN


  • TIN of the Partnership
  • Partnership Agreement

Limited Liability Company

  • TIN of LLC 
  • Articles of Organization
  • Operating Agreement 
  • Statement of Information


  • TIN of the Corporation
  • Articles of Incorporation
  • Statement of Information

Fictitious Business Name Statement may also be required.

Need Help With Your Checking Account?

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Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See our schedule of fees for details. Credit Union rules and regulations apply. Minimum opening deposit is only $50. $5 membership fee may apply.
1 Transaction items include all debits and credits. If the Totally Free Business or Business Interest Checking account exceeds 1,000 free monthly transactions, the account will be charged $.15 per transaction over 1,000.
2 Includes coin and currency. If the Totally Free Business or Business Interest Checking account exceeds $10,000 in monthly coin and currency deposits, the account will be charged $1.00 for every additional $1,000 in coin and currency.
3 Bill Pay is free as long as you pay one (1) bill per month, otherwise a $5.95 monthly fee applies.
4 e-Statements are free. Otherwise, $2.00 per month service charge for paper statements.
5 We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.
6 Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.