No Minimums. No Hassle. Just Business.

Commercial Checking gives you the essentials you need to easily manage your business funds, with free tools, no minimums, and complete control.

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No Minimum Balance Required

Enjoy no minimum balance requirements.

Free Online & Mobile Banking

Access your account with ease, anytime, anywhere.

No Per-Item Charges

Focus on your business, not transaction fees.

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Why BayFirst?

At BayFirst, we are more than a bank. We are your business partner, helping your business thrive at every stage. From high-yield savings options to commercial checking accounts designed with your needs in mind, we provide the tools and flexibility to do more. With BayFirst, you are free to focus on growing your business while we take care of the rest.

Free Business Checking doesn't need to be basic.

Account Features

  • No per item charges
  • No minimum balance requirement
  • Free imaged check bank statements
  • Free Visa® business debit card
  • Free Business Online Banking
  • Free online bill pay
  • Free mobile banking
  • $100 to open account
  • $15 monthly maintenance fee

Online & Mobile Banking

  • BayFirst Mobile Banking App
  • 24/7 Online and Mobile Banking
  • Online bill pay
  • Bank-to-bank transfers
  • Mobile deposit and free eStatements

Other Benefits

  • Notary services
  • Customer support through the BayFirst Contact Center
  • Employee accounts available through our Workplace Advantage Program
  • Up to $250,000 insured by the FDIC
    • Access to additional FDIC insurance protection into the millions

What's Next? Get started online and open in person.

  • Gather Your Info

    We'll need some basic information about your business and your government ID. See our FAQs for more information.

  • Open Your Account

    Stop into a banking center or complete our online form to get started.

    Get Started

  • Fund Your Account

    Open your account in person with a minimum deposit of just $100.

Need help switching to BayFirst?

We're here to support your business banking move. With our easy six-step SwitchKit and personalized support, we make switching simple, smooth, and stress-free.

Check Out Our SwitchKit

Still have questions?

Commercial Checking FAQs

You’ll need to provide your business registration, proof of business address, a certificate of good standing, a government-issued ID, and your EIN (Employer Identification Number). A $100 minimum deposit is required to get started.

A Certificate of Good Standing, also known as a Certificate of Existence or Certificate of Status, is an official document issued by the state government that verifies a business entity is legally registered and authorized to do business in that state, having met all state requirements such as filing annual reports, paying necessary fees, and not facing administrative dissolution. If you do not have one, you can order a Certificate of Good Standing from the Florida SunBiz.
 

The monthly maintenance fee is $15. There is no minimum balance requirement.

While BayFirst offers the ability to open many accounts online, you will need to stop into a banking center to open a business checking account. Our online account opening form for business accounts speeds up this process and makes opening an account in-person smoother.