First Citizens Bank

First Citizens Bank offers small businesses checking accounts, business loans, SBA and USDA term loans, equipment financing and merchant services for card payments. Its cash management tools include ACH services, payables and receivables, and liquidity management, and it also offers business insurance such as workers' compensation and property coverage. Business banking sits alongside the bank's personal banking, mortgage and wealth services.

The bank has been family-owned since 1898, and its small business team works with owners in fields such as healthcare, manufacturing and distribution, nonprofits and skilled trades. Business customers can also get international banking help, including letters of credit and foreign currency exchange. The bank is based in Raleigh, North Carolina, and offers digital banking for business accounts.