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Business Checking

Features and tools to meet your business needs

Whether you own a small business, manage finances for a large corporation, or need solutions for a nonprofit organization, First International Bank & Trust has an account to help you manage expenses.

Business Edge

If simplicity is your top priority

Everything you need with a simple account. Simply sign up for e-statements, to receive a refund on your monthly service charge. Your debit card is included when you open the account.1 Our online banking services make it easy to manage your business with up-to-the-minute account information, easy records retrieval and electronic bill pay.

  • Learn more about Business Edge Checking

    • Business Edge Checking is the perfect account when you don’t have a lot of transactions and are looking for the basics.

      • Up to 150 debit transaction items per month2
      • No minimum balance and no monthly service charge with eStatements
      • $500 minimum balance with paper statements. Monthly service charge of $14 if balance falls below $500
      • Use our online banking services to manage your business with up-to-the-minute account information, easy records retrieval and electronic bill pay
      • Free check images with monthly e-statements. $5.95 fee for images on paper statements.

Find a Location

Please contact (800) 359-8092.

Business Edge Plus

As your business progresses

Business Edge Plus Checking is designed for those seeking more than just the basics. It’s not just business checking; it is interest checking. Earn interest on any average minimum balance over $100. If your business is poised for growth this may be the best fit.

  • Learn more about Business Edge Plus Checking

      • Up to 200 debit and credit transactions a month included. Each item beyond 200 charged $0.25 each.
      • Business debit card1
      • $2,500 minimum balance (required to avoid a monthly service charge fee)
      • $12 monthly service charge with eStatements or $17 monthly service charge with paper statements if the account balance falls below $2,500
      • Use our online banking services to manage your business with up-to-the-minute account information, easy records retrieval and electronic bill pay.
      • Free check images with monthly e-statements. $5.95 fee for images on paper statements.

Find a Location

Please contact (800) 359-8092.

Business Edge Premium

The solution for high volume accounts

Better treasury management is easy with the unlimited transactions included with Business Edge Premium Checking. Your debit card is included.1

  • Learn more about Business Edge Premium Checking

      • Unlimited debit and credit transactions every month2
      • Increase your transaction volume for business growth.
      • Online services
      • Use our online banking services to manage your business with up-to-the-minute account information, easy records retrieval and electronic bill pay.
      • $5,000 minimum balance (required to avoid a monthly service charge fee)
      • $15 monthly service charge with eStatements or $20 monthly service charge with paper statements if the account balance falls below $5,000
      • Free check images with monthly e-statements. $5.95 fee for images on paper statements.

Find a Location

Please contact (800) 359-8092.

Accounts at a Glance

BenefitsBusiness EdgeBusiness Edge PlusBusiness Edge Premium
eStatementsPapereStatementsPapereStatementsPaper
Minimum Balance for InterestNone$100None
Service ChargesNone$14/month3$12/month3$17/month3$15/month3$20/month3
Minimum Balance for Service ChargesNone$500$2,500$5,000
Interest BearingNoYes4No
Statement FrequencyMonthlyMonthlyMonthly
Visa® Debit CardFree1Free1Free1
Online Banking and Bill PayAvailableAvailableAvailable
Check WritingYesYesYes
Image Paper Statements$5.95$5.95$5.95
Transaction ChargesDebit transactions in excess of 150 items per month will be charged $0.25 eachDebit and credit transactions in excess of 200 items per month will be charged $0.25 eachAccount receives an earnings credit based on the average available balance, less the federal reserve requirement, to be applied towards fees related to Treasury Management and the per item processing fees of $0.13/debit; $0.17/credit; $0.07/on-us deposit item; $0.10/transit deposit item that apply monthly.
FIBT ATM AccessFreeFreeFree
Non FIBT ATMFees may be refunded2Fees may be refunded2Fees may be refunded2
First Reserve LoanAvailable with qualifying application1Available with qualifying application1Available with qualifying application1

Additional Information:

About Us

Who is FIBT?

First International Bank & Trust (FIBT) is a full-service, family-owned, independent community bank serving a wide range of communities across North Dakota, South Dakota, Minnesota, and Arizona.

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