Business Woman on a business call smiling

Your Dream.

A Business Checking Account that's TOTALLY  free!

Totally Free Business Checking

Get more for your money at American First!

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 FREE2
  • Only $50 deposit to open
  • Free detailed analysis of account activity

Business Interest Checking


  • Competitive interest
  • 1,000 FREE monthly transaction items1
  • Only $1,500 minimum balance to avoid a low monthly fee of $8
  • Up to $10,000 currency deposited per month FREE2
  • Only $50 deposit to open
  • Free detailed analysis of account activity

Totally Free
Business Checking

Business Interest

Monthly Fee FREE Only $8 if daily balance falls below $1,500
Minimum Balance None
 Earns Dividends NO YES
Online Banking FREE FREE
Bill Pay3 through Online Banking FREE  FREE
Mobile Banking with Mobile Check Deposit FREE FREE
e-Statements4 with Online Check Images FREE FREE
Business Debit Card FREE FREE
Thank You Gift5 FREE FREE
We'll buy back your unused checks and debit cards from another financial institution6.  

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

Sole Proprietor

  • SSN or TIN


  • TIN of Partnership
  • Partnership Agreement

Limited Liability Company or Corporation

  • TIN of LLC or Corporation
  • Articles of Organization (if LLC)/Articles of Incorporation (if Corp)
  • Statement of Organization (if LLC)
  • Statement of Information (if Corp)
  • Operating Agreement (if LLC)

Fictitious Business Name Statement may also be required

Checking Account Features

You use your Checking Account for everything, so we have an account that works for you. No matter which Checking Account you choose, they all come with the same great benefits!

Need Help With Your Checking Account?

Call Us
E-Mail Us Locate a Branch

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, $1.50 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.