Business Checking Accounts 

Business CheckingFirst National Bank Minnesota offers a variety of checking options for businesses. We invite you to visit our locations so we can help you analyze what is best for you.

For businesses who qualify, we offer Commercial Interest Checking accounts. Sole proprietors and not-for-profit organizations have all the convenience of a business checking account with the added feature of earning interest.

Free Checking

  • Description: For businesses with few transactions
  • Minimum Balance: None
  • Maintenance Fee: None
  • Fees & Options:
    • 100 items free; $.20 for each additional item
    • Images provided
    • Free incoming ACH items
    • Returned deposited checks $4.00

Economy Checking

  • Description: For larger businesses
  • Minimum Balance: None; eligible businesses earn interest on collected balances of $1,000 or greater
  • Maintenance Fee: $15 monthly maintenance fee
  • Fees & Options:
    • 200 items free; $.20 for each additional item
    • Images provided
    • Free incoming ACH items
    • Returned deposited check $4.00

Analysis Checking

  • Description: For high-volume businesses
  • Minimum Balance: None
  • Maintenance Fee: $7.50 monthly
  • Fees & Options:
    • Free incoming ACH items
    • $.15 per check
    • $.05 deposit items on-us
    • $.08 deposit items not-on-us
    • Uncollected Funds usage: Prime + 4%
    • Earnings credit to offset service charges
    • Returned deposited check $4.00
    • Images provided



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