Drive your business forward

Whether you need financing to launch, or support to keep that Day One energy going, we have a checking solution designed with your business in mind.

Free Business Checking

Great for businesses that are just getting started, home offices, or those with lower transaction volumes and account balances.

Features:

To get started, click on the button below. But first, please see the list of documents below that you’ll need to open your account based on the type of business you own.

Get Started

Words From Our Members

“We love 1st Financial.  No task is too big or too small.  They take care of all of our business and personal needs.”

Linda Caruso, Caruso’s Deli – St. Louis

What documents will you need to open an account?

  • Certification of EIN from IRS or proof of SSN
  • Fictitious name registration if operating under a fictitious name
  • Certification of EIN from IRS
  • Articles or Certificate of Organization
  • Signed Operating Agreement
  • Fictitious name registration; only if operating under a different name than the name on the Articles of Organization
  • Beneficial Owners & Control Information*
  • Certification of EIN from IRS
  • Articles or Certificate of Incorporation
  • Fictitious name registration; only if operating under a different name than the name on the Article of Incorporation
  • By-Laws
  • Beneficial Owners & Control Information*
  • Certification of EIN from IRS
  • Articles or Certificate of Incorporation
  • By-Laws
  • Non-Profit Designation Letter – 501C3
  • Control Information* for non-profit organizations
  • Fictitious name registration; only if operating under a different name than the name on the Article of Incorporation

For example, Boy Scouts, Girl Scouts, sports leagues, family reunion accounts, and non-profit organizations that have not been registered with the Secretary of State such as fundraising or memorial accounts

  • Certification of EIN from IRS, if available
  • Non-profit designation letter – 501C3, if available
  • Control information* for non-profit organizations
  • Fictitious name registration; only if operating under a business name that does not include the owners full first and last name.
  • Certification of EIN from IRS
  • Candidate declaration form
  • FEC-1 form – Federal Campaign accounts only (Senators, Representatives, Congress)
  • Fictitious name registration; only if operating under a different name than the candidates legal first and last name
  • Certification of EIN from IRS
  • Partnership Agreement
  • Fictitious name registration if operating under a fictitious name
  • Beneficial Owners & Control Information*
  • Certification of EIN from IRS
  • Certification of Limited Partnership
  • Partnership Agreement
  • Beneficial Owners & Control Information*
  • Certification of EIN from IRS
  • Application/Renewal for a Limited Liability Partnership
  • Partnership Agreement
  • Beneficial Owners & Control Information*

In addition to these documents, all signers will need their non-expired government issued photo identification. There is a minimum of $1 to open a savings account and a minimum of $200 to open a business checking account.

Get Started

Business Services

With a 1st Financial Business Checking Account, we’ll support your business and help it grow over time. Through our partnership with Newtek Business Solutions we offer a range of services designed to help your business run smoothly.

These business and financial services will help increase sales, reduce costs and minimize business risk. Select from our menu below, and our Business Specialist will assist you in achieving your goals.

*Effective May 11, 2018, new rules under the Bank Secrecy Act require every legal entity to provide identifying information for all beneficial owners who have 25% or more ownership in the entity, and for one individual that has significant managerial control of the entity. The information required to be provided for beneficial owners is, name, address, date of birth, social security number, and a non-expired government issued photo ID. This information must be provided at the time of account opening.

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