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BUSINESS CHECKING OVERVIEW
Business Banking
Built for Growth
At First Fed, we go beyond basic banking. Our business checking accounts are part of a full-service relationship designed to help you grow, streamline operations, and manage your cash flow with confidence. Whether you’re launching your first startup or expanding your operation, you’ll have a local team that’s committed to your success—plus powerful digital tools and treasury services to back you up.
Checking Accounts with Your Business in Mind
We offer checking accounts designed around how many transactions your business makes each month—so you get the features you need without paying for what you don’t. Choose the account that fits you:
Advanced Business Checking
Best for businesses with moderate monthly transaction volume (51-200)
Open Online
Analyzed Business Checking
Best for businesses with 200+ transactions and Treasury Management needs.
Visit a Branch
Included with all our business checking accounts:
Online and Mobile Banking
Business Visa debit card with unlimited transactions
Free ATM cash withdrawals at over 37,000 MoneyPass® ATMs nationwide
Free Bill Pay
Unlimited incoming ACH
Positive Pay and Reverse Positive Pay
US and Canadian check transactions
Account analysis statements
Real-time fraud alerts
Banking support from a local WA team
*See full account details below
More than a Bank - A Business Partner
Opening a checking account at First Fed is the start of something bigger. With us, you gain a financial partner that brings industry insight, digital tools, and personalized service to the table—so you can focus on growing your business. Get ready to experience:
A Team Invested in Your Growth
Work with our local bankers and our experienced business banking team who take the time to understand your business and provide tailored financial strategies. From daily operations to long-term expansion, we’re here to help.
Comprehensive Treasury Management Services
Manage your money more efficiently with solutions like ACH origination, remote deposit capture, merchant services, and fraud protection. Free up your time and optimize your cash flow with tools that work as hard as you do.
Modern Banking Tools, Anytime Access
Use our robust online and mobile banking platforms to pay bills, transfer funds, review transactions, and monitor account activity 24/7.
Business Visa Debit Card
Enjoy the convenience of a business debit card and easy access to over 37,000 MoneyPass® ATMs nationwide, plus the flexibility to use business checks when needed.
Employee-Friendly Perks
Your team can cash payroll checks for free at any First Fed branch, plus access any of our in-network ATMs.
Local Support and Quick Decisions
As a community bank, our lending decisions are made close to home, so you get responsive service from people who understand the local business landscape.
Choose a Checking Account that Fits Your Size and Goals
Start with the account that best fits your business today—with flexibility to scale as you grow.
Everyday Business Checking | Advanced Business Checking | Analyzed Business Checking |
Best For:
Small businesses with lower monthly transaction volume (<50) | Businesses with moderate monthly transaction volume (51-200) | Businesses with higher transaction volume (>200) |
Monthly Maintenance Fee
$5 Fee waived with $500 minimum daily balance or eStatements enrollment. | $10 Fee waived with a $2,000 minimum daily balance or a $5,000 average daily balance. | $15 Monthly fee may be offset by earnings credit. |
Transactions
50 free transactions per statement cycle - including deposits, checks deposited, and checks that clear your account. After that, each additional deposit or check clearing is just $0.20. Plus unlimited free debit card transactions and ACH credits. | 200 free transactions per statement cycle - including deposits, deposited checks, and checks that clear your account. After that, each additional deposit or check clearing is just $0.20. Debit card transactions and ACH credits are unlimited and always free. | No monthly transaction limits. Monthly account analysis determines usage fees. |
Access to additional resources to enhance your business
Merchant Services and Select Treasury Management Services |
Let’s Build Something Great Together.
Questions? Connect with our team today for questions about opening an account or to learn more about our treasury management services.