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Small Business Banking

CitySmart Ultimate Online Banking For Small Businesses*.

At City National Bank Of Florida, it’s not just your business, it’s our business. As a small business owner (revenues up to $10 million) or professional (physicians, attorneys, CPAs, architects and others with up to $5 million in revenues), we know you deserve more. We want to be more than just your bank - we want to be your partner.

Working with your own Business Banker, we can provide products and lending solutions tailored to fit the needs of your small business from deposit and interest accounts to a full suite of loans including lines of credit and commercial mortgages.

Condo or homeowners association? Our Business Bankers have lending, depository and treasury management services for you, too.

*Certain transaction limitations, fees my apply. Refer to the Disclosure and Schedule of Fees for Commercial Accounts for additional information.

$100 is required to open an account. A minimum average monthly balance of $5,000 is required to avoid the $25 maintenance fee. Up to 200 free transactions are allowed each month1, along with cash deposits up to $10,000 per month, also at no charge2.

1Transaction items include but are not limited to deposit tickets, checks paid (including electronic payments), deposited items (banking center and remote deposit capture), withdrawals and ACH debits. After 200 transactions, there is a $0.50 per item charge that will be reflected on your monthly statement as a maintenance fee. All wire transfer charges apply.
2Cash deposited after the first $10,000 will be charged at $0.50 per $100 and any fraction thereof.

  • Free City National Bank Of Florida Business Check Card
  • Free access to all City National Bank Of Florida and Presto ATM machines
  • Touchtone account inquiries or transfers via CityTel Telephone Banking
  • Superior overdraft protection, available from our Small Business City Line of Credit3
3Subject to credit approval.

Wire Transfers.*

  • (U.S. dollar domestic and international wires, foreign currency wires and foreign drafts)
  • Wire funds domestically or internationally via computer (ePartnerTM) or direct written instructions to your account officer, with a high level of security and efficiency (your personal "code word" adds an important layer of security before any wire transfer is transmitted).
  • You'll receive immediate confirmation. Auto-posting of incoming wires expedites crediting your account. Repetitive and semi-repetitive wires are available.
*Fees may apply. Refer to Disclosure and Schedule of Fees for Commercial Accounts.

Regular Commercial Checking.

Designed to meet the needs of established businesses with larger transaction volume.
  • Deposit of $100 required to open account
  • Free Visa debit card
  • Free access to City National ATMs and over 1,000 Presto ATMs
  • Free CityTel 24/7 telephone banking
  • No balance requirement*
  • Awarded earnings credit based on collected balance
*This account has an earnings credit, which may partially or completely offset the maintenance fee of $20.00 and service fees incurred by your account. See Disclosure and Schedule of Fees for Commercial Accounts for additional information. 


City National Bank Of Florida has been meeting the needs of the South Florida business community for more than 75 years. In keeping with the spirit of helping our clients who help their clients, we are pleased to offer a special benefits package for the employees of our business clients. Our CNB@Work package* is full of features including:

  • No maintenance fees with qualifying transactions*
  • No per-check charges
  • FREE unlimited use of your City National ATM card or Check Card at any of our ATMs or at any Presto ATM (located at Publix)
  • FREE 24/7 account information and funds transfers between accounts*
  • FREE 3” x 5” Safety Deposit Box for one full year at any City National Bank location, subject to availability
  • DISCOUNTED PRICING on consumer loan rates (excluding equity lines of credit and CD loans), subject to credit approval and program requirements
  • FREE notary services

*Account related service fees (e.g., wire, stop payment, etc.) still apply. Certain account restrictions/limitations may apply. This account has a Maintenance Fee of $5.00, if two (2) ACH transactions are not credited per month.


IOTA Interest Checking For Small Business*.

Convenient account for attorneys to use for client deposits (escrow accounts) and earn interest. Interest is paid to the Florida Bar Association.

  • No minimum deposit required to open account
  • Free CityTel 24/7 telephone banking
  • Maintenance fees eligible for reimbursement by the Florida Bar Association
  • Variable interest credited monthly
  • Tiered Rates
*ATM and debit cards cannot be issued on this account. An operating account in the name of the law firm is required in order to charge any non-permissible service charges that the state program does not permit to be paid from the interest earned on the IOTA account, e.g. wire transfer, returned check, overdraft fees, etc. Refer to the Disclosure and Schedule of Fees for Commercial Accounts for additional information.

Fast Track Commercial Mortgage.*

A streamlined application, approval and closing process for business owners who want to:

  • Acquire properties including commercial condominiums, small office buildings, retail stores, warehouses and other owner-occupied properties
  • Purchase or refinance (including equity reimbursement)
  • Borrow against existing equity
Loan Features: 
  • Available for first mortgages from $75,000 to $3 million
  • Provides a one-time lump sum that you pay off over a specified amount of time
  • Competitive fixed interest rates
  • Full amortization and balloon payment options
  • Terms: 5, 7, 10 or 15 years
  • Amortization: 15, 20 or 25 years
Convenience and Service:
  • Streamlined application, approval and closing process
  • 24/7 account access via online Cash Management services for up-to-the-minute daily balances, account transfers and more
*Loan products are subject to credit approval and program requirements. Terms and conditions apply. This is not a commitment to lend. Loan programs, terms, rates, and conditions are subject to change without notice. 
Businessman in office looking at a document
Online Corporate Banking

Keep your business running smoothly.

Enjoy secure and convenient 24/7 access to your accounts.