Business Checking
VALUE AND INTEREST-BEARING OPTIONS
Avoid high fees that other financial institutions charge and open a truly free business checking account with FTA today.
We’ve listed the features of each account below so you can choose the account that best fits your needs.
Benefits and Features of Both FTA Business Checking Accounts
Enjoy no maintenance fees on checking accounts
No minimum balance required to keep account active
Use your debit card to pay for purchases or access ATMs
Surcharge-free ATM access nationwide
Excel-compatible Quickbooks data download
Set up email or text alerts for your account activities
Bank anytime with FTA Anywhere mobile and online banking
Logins can have various access levels
Your Options at a Glance
Choose between FTA's Business Value Checking or Interest-Bearing accounts, both meant to save you time and stress.
Business Value Checking
Our Most Popular Account
This account is a simplified solution for small businesses with lower balances and account activity which includes user-friendly digital banking tools.
- Access to FTA Commercial Business Team
- 225 free transactions per month
- First box of checks free
Business Interest-Bearing Checking
Perfect for high balances
This interest-bearing option fits businesses that maintain a high balance and want to grow their money while benefiting from a wide range of free resources. Earn interest starting at a $10,000 balance.
- Competitive interest-bearing rates
- Access to FTA Commercial Business Team
- Free transactions, unlimited
- Free checks
Business Checking Features
- Bill Pay and Remote Check Deposit¹
- Automated payroll and bill management
- Fast wire transfer capabilities
- EMV chip and contactless technology for credit and debit cards
- Checking overdraft protection
- Excel-compatible and Quickbooks-compatible data downloads
Bank with FTA Anywhere
Anytime, Anyplace
Get easy access to your account with FTA Anywhere online and mobile banking. Download the FTA mobile app from the Android & Apple stores.
- View balances
- Mobile check deposits
- Set up alerts
- Electronic Bill Pay
- Use Pay-A-Person²
- View eStatements
- Access budget and savings tool
- Transfer funds to internal and external accounts
Get Started Today
FTA Overdraft Protection
We don’t think you should ever have to worry about insufficient funds³. To continue receiving overdraft protection, the account balance must be brought to a positive balance very 20-day period.
We offer several options designed to protect you from budget miscalculations and NSF (Non-Sufficient Funds) fees.
- Transfer from a regular savings: Link your checking and savings accounts so you can transfer money from savings to cover checks and debit transactions.
- Coverage through a personal line of credit account: Your checking account can be directly linked to your personal line of credit, allowing you to automatically cover checks or debit card transactions.
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Bounce-free checking protection: With bounce-free checking protection from FTA, you can avoid the high fees and hassles that come from insufficient funds. If you overdraw your account, FTA will cover your checks⁴ and ensure your transaction goes through. There is a small fee.
ATM Access and Rebates
There are countless other ways to access and save money with a checking account at FTA:
In addition to accessing any of the 13 Fin Trust Secure ATMs, use your Visa ® debit or ATM card to withdraw funds for free at any of the Publix Super Market-affiliated Presto! network ATMs. With the Pulse Network, you have access to 400,000 ATMs nationwide. Under our rebate program, most ATM fees will be refunded⁵.
Checking FAQs
Your employer's payroll department or Government Agency will need the credit union's Routing Number ( 764537840) and the account number where you want your paycheck deposited into. To find your electronic payment account number, log in to your account, select which account the money will go in, and click or tap view details. You can also give us a call - we're happy to assist you!