Free Business Checking

With no minimum deposit to open, no minimum balance requirement and unlimited transactions, FNBO Free Business Checking is designed for the small business that values flexibility and cost-control.

Account Summary

  • Unlimited transactions        
  • No minimum balance
  • No monthly maintenance fee
  • No return item fees
  • Free Online Banking and Account Alerts

Earn a cash bonus* up to $500 with a Free Business Checking.

Open an account now through August 31, 2024 and make a qualifying deposit in the account to receive up to $500. Use promo code BIZCHECKING at one of our locations to open your account today.

Earn your checking account bonus in 3 EASY steps:

  1. Open your account at a branch and mention promo code BIZCHECKING.
  2. Fund your account within 31 days of opening your account a qualifying deposit of $10,000 or more.
  3. Maintain your balance for 93 days from account opening.
    • Deposit $10,000 - $19,999.99 and Earn $200
    • Deposit $20,000 and above and Earn $500

Find your branch location

Additional Features

Mobile Banking

Conveniently access your business accounts on the go.

Online Banking & BillPay

Manage and organize your business finances 24/7.

Account Alerts

Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.

*Business Checking Cash Bonus Options:

  1. Get a $200 cash bonus when you open a new FNBO Business Checking (Free Business Checking) and have qualifying deposit(s)1 of $10,000.00 -$19,999.99 maintained for three months.
    OR
  2. Get a $500 cash bonus when you open a new FNBO Business Checking Account (Free Business Checking) and have qualifying direct deposit(s)2 of $20,000.00 or above maintained for three months.

Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement.

The customer is responsible for providing the received promo code “BIZCHECKING” not (case sensitive) to a banker at time of account opening. Failure to do so may result in not receiving the bonus offer.

The account must be open and in good standing3 to receive a bonus offer. Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, TX, and WY. Offer valid for new Business Checking customers, one new account and limited to only one opening bonus offer. A new Business Checking customer is defined as an applicant who does not have an open Free Business Checking account at the time of the campaign launch. FNBO has discretion to determine what constitutes a new Business Checking customer. Accounts must be open by 8/31/2024 to be eligible.

1A qualifying deposit(s) is defined as a new money4. To receive the bonus offer, a minimum qualifying deposit(s) totaling $10,000.00- $19,999.99 must post to your Business Checking account within a 31-day periods and maintain a three- month balance of $10,000.00-$19,999.99. Transfers from a bank or brokerage account do not constitute as a deposit(s). The $200 bonus offer will be credited to your account with a $1.00 at time of account opening and $199.00 within a 93-day periods once the bonus offer requirements are fully met and the account is open and in good standing3 only.
OR
2A qualifying deposit(s) is defined as a new money4. To receive the bonus offer, a minimum qualifying deposit(s) totaling $20,000.00 or above must post to your Business Checking account within a 31-day periods and maintain a three- month balance of $20,000.00 or above. Transfers from a bank or brokerage account do not constitute as a deposit(s). The $500 bonus offer will be credited to your account with a $1.00 at time of account opening and $499.00 within a 93-day periods once the bonus offer requirements are fully met and the account is open and in good standing3 only.

3Good standing means that your account is not closed, negative or otherwise in default under the terms of any agreements you have with us, including these terms and conditions at time of receiving the bonus offer.

4New money not currently or previously held in any account at FNBO or FNBO Direct.