High Deposit Capabilities
Deposit large amounts with ease.
Higher Transaction Limit
Up to 500 per month.
Beyond The Basics
Including sweep services, sub-accounts, RDC, and more.
Advanced Business Checking is built for growing your business with more employees, more transactions, more decisions that depend on clear visibility into your cash flow. That’s not a challenge. That’s proof of what you’ve built. This business checking account is designed to keep pace with everything you’re managing now, backed by a relationship manager who supports your business through every stage, not just the account you’re in today.
Here’s everything Advanced Business Checking puts to work for your business.
| Click any linked feature to learn more. | Advanced Business Checking |
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Best for |
Growing businesses seeking cash management solutions, 250-500 transactions per month |
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Monthly Maintenance Fee |
$30 per month (waived with $15,000 average daily balance) |
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Transactions* |
500 per month included |
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Included |
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Available Domestic/International (Fee schedule) |
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Bill Pay |
Included |
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Mobile Deposit** |
Included (No monthly fee) |
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Available |
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Real-Time Payments Send Coming soon! |
Included |
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Digital cash management reports and dashboard |
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Available |
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Available |
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Available |
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Available |
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Included |
Click below to contact us, or call 866.755.0628 to speak with a member of our business banking team.
Advanced Business Checking FAQs
Advanced Business Checking is built for growing businesses that have moved past the basics—typically with larger teams, increasing transaction volume, and more complex cash management needs. If you're juggling more payroll, more vendors, and more moving parts than a simple checking account can handle, this is where your business belongs.
If you're a solo practitioner or newer business handling straightforward, everyday transactions, Basic Business Checking may be the right fit for your business. Advanced Business Checking makes sense once your transaction volume, team size, and cash management needs have outgrown that stage. If you're not sure which fits, your business banking relationship manager or business banking support specialist can help you compare the two in a few minutes.
Possibly. Analyzed Business Checking is built for high-volume, established businesses that need sophisticated treasury management services, while Advanced Business Checking supports real growth for a long stretch of that journey. When your business reaches that next level of scale and complexity, we'll help you move into Analyzed Business Checking with no disruption to how you operate.
Advanced Business Checking includes 500 transactions per month, with a $0.20 charge for each additional transaction. A transaction includes any form of money movement in or out of the account, except wires and cash deposits, which have separate charges. Review the fee schedule and account disclosures for details.
There's no strict employee or revenue cutoff, but Advanced Business Checking is generally the right fit for established, growing businesses—often with larger teams and meaningfully more transaction activity than a smaller or solo operation. Your business banking relationship manager or a business banking support specialist can help confirm Advanced Business Checking is the right match for where your business is today.
Yes, Advanced Business Checking includes ACH origination, domestic and international wires (additional charge), mobile deposit, bill pay, and account management reports on our digital banking platform, giving growing businesses clearer visibility and more control over cash flow, payments, and day-to-day transactions.
Because you're managing more complexity at this stage, we recommend talking with your business banking relationship manager, who’s watched your business grow and can set your account up to match exactly how you operate and what you need today. You can also visit a branch or call 866.755.0628.
Membership eligibility and account approval required. Advanced Business Checking requires an active FIG Credit Union business membership with a $5 minimum deposit required to establish and maintain membership. A $30 monthly service fee applies and is waived when the required $15,000 average daily balance is maintained. Transaction limits, service fees, and other terms and conditions may apply. See the applicable fee schedule and account disclosures for complete details.
Zelle® is not currently available to business accounts at Farmers Insurance Federal Credit Union. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Payment requests can only be sent to enrolled Zelle® users.
*Transaction includes any form of money movement in or out of the account, except wires and cash deposits which have their own fee structure.
**Mobile Deposit: See fee schedule and account disclosures for details.