Business Checking Accounts

Business Checking Accounts | A person entering card information into a phone

Opening a business checking account is an important step in managing your company’s payments, deposits, expenses, and other business transactions.

Farmers National Bank offers several convenient community branch locations across Kentucky to meet the needs of various types of local businesses. Each location offers flexible checking options and knowledgeable staff members who understand the unique needs of running a business in Kentucky better than many larger chains. Here are some of the most important things to know about opening and managing a business checking account with us!

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Business Checking Account Options

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Business Free & Easy*

Perks
1,000 Free monthly transaction items, no minimum balance, up to $10,000 currency deposited per month Free. *If the Business Free & Easy account exceeds 1,000 free monthly transactions, the account may be converted to another checking product.

Service Fee
No monthly service charge

Minimum Deposit To Open
$50

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Business Interest Checking*

Perks
1,000 Free monthly transaction items, competitive interest, up to $10,000 currency deposited per month Free.


Service Fee
Only $2,500 minimum balance to avoid a low monthly fee of $7

Minimum Deposit To Open
$50

All Accounts Include These FREE Benefits:

  • Free Business Debit Card
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
  • Free Merchant Services Review
  • We will buy back unused checks and debit cards from another financial institution

Benefits of Business Checking Accounts​

Running a successful business requires keeping transactions separate from your personal accounts. Opening a business checking account that was designed to handle the extra volume and specialized needs of your business’s finances is an important step in keeping track of payroll, vendor payments, purchases, business expenses, and other everyday transactions. These accounts may also offer additional services to help business owners better understand their responsibilities for keeping their business in good financial standing and building professional credibility.

Business Banking Features

Business checking accounts include several advanced features designed to meet the unique needs of running a business and protecting its financial assets. Business checking accounts come with debit cards, check-writing options, and other account management tools that are designed for more frequent use – and for managing significantly more money than standard individual accounts use. Business accounts also include advanced digital features that let your team track transactions and manage spending anytime, from anywhere. Accounts that offer flexible, scalable banking features help support your business’s financial efficiency as it grows.

Why Choose a Local Kentucky Community Bank

Choosing a local bank is often a more effective way to get the personalized service your business deserves than relying on a national chain with a limited understanding of the nuances of running a business like yours in your city and state. What works for businesses in cities that are much larger or smaller than yours – and headquartered on the other side of the country – may be detrimental to your success. Community banks typically have a much stronger understanding of specific features that will most benefit you. Each of our Kentucky locations prioritizes meeting local needs by building long-term partnerships with local businesses and keeping them informed about what strong economic growth looks like in their communities.

How to Open a Business Checking Account

Opening a business checking account is a relatively straightforward process that starts with providing us with key information about yourself and your business. We will need most of the same personal and contact information that we would require for a personal account, as well as your business’s EIN, business license, and other important business documents. In most cases, you will also need to provide an initial deposit when opening a business checking account. Our team members will review the details of your business to help you select an account type that is a good fit for you when you visit a branch location near you.

We have a business checking account for you with features to meet your company's needs.

Plus, each of our accounts has many FREE products and services. Our knowledgeable team makes the account opening process easy and one of our branch managers will be happy to customize an account to fit your needs. Stop into one of our 12 convenient locations for assistance.

Choose Farmers National Bank for All Your Business Checking Needs

At Farmers National Bank, we are here to help business owners across Kentucky manage their businesses’ finances in a way that makes sense for them. Our banking professionals work closely with each client to set up a customized account that meets the unique needs of the type and size of business they run, and choosing us is an important step in making sure that your financial assets are safe with a team that understands everything that sets local businesses apart. Stop by one of our Kentucky branches today to start the process of opening a business checking account that helps you manage your company’s finances with confidence!

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Personal & Small Business App

Bank conveniently and securely with Farmers National Bank Mobile Banking. You can manage your finances anytime, anywhere – from your mobile device.​

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Business Plus App​

Download the app for customers who currently utilize our additional business products such as ACH, wire transfers, and online banking sub-users.​

Please login with your online banking credentials.