In addition to patient care, chiropractic entrepreneurs are responsible for all the usual details involved in running a small health care business, such as daily billings, insurance collections, equipment purchasing and payroll. As the company grows, the funding demands and minute details change. When evaluating which bank is best for chiropractors, look for a financial institution that understands the operations, offers financing and deposit tools, and supports entities during revenue stream shortfalls.
- What to Look for in a Bank
- Quick Tips for Chiropractors Looking for a New Bank
- Methodology
- Which Bank Is Best for Chiropractors?
- 1. First Commonwealth Bank
- 2. TD Bank
- 3. PNC Bank
- 4. First Citizens Bank
- 5. Regent Bank
- Comparison Table of the Best Banks for Chiropractors
- Building a Strong Banking Partnership for Chiropractic Growth
What to Look for in a Bank
Understanding how your clinic’s revenue cycle and operational needs differ from those of other small enterprises is the critical first step in choosing a lender. The National Center for Health Workforce Analysis estimates there are 71,101 chiropractors in the United States. With a limited number of professionals in the industry, their needs are specific.
Chiropractic offices often experience delayed payments from insurance companies, recurring payments from patients and the need for expensive apparatus upgrades. Experience in health care is essential. Working alongside a banking partner knowledgeable about the industry can help improve cash flow, streamline deposit processes and build revenue.
One common reason medical practices use credit lines is that insurance providers pay slowly. Reimbursement issues are common in the chiropractic profession, making banks that offer flexible equipment funding, working capital or professional services relevant partners.
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Quick Tips for Chiropractors Looking for a New Bank
Chiropractic operations often have to track insurance, cash, memberships and appointments with recurring payments, so look for banks with reporting features that support the diverse needs of your business. Pay attention to these five elements before establishing a relationship with a provider:
- Check that the account structure matches your workflow.
- Inquire about equipment financing.
- Select a provider that offers online payments and has numerous locations.
- Determine which digital tools you need the most.
- Seek a bank that understands the unique needs of the medical industry.
Making sure the staff is open to answering insightful questions can offer clues to how responsible they’ll be when you become their client.
Methodology
Sorting through available options can be a time-consuming process. Since health care providers are already overwhelmed with responsibilities, having a list of which companies offer the best options and a side-by-side comparison is a welcome relief. To determine the top choices for banks, the following criteria were considered.
| Experience in health care | Minimum balance requirements |
| Low fees | Online and mobile banking tools |
| Match to income management style | Flexible loans and lines of credit |
Each element received a score between one and five. The top-scoring options were organized from highest to lowest score. If two were tied, they are in alphabetical order.
Which Bank Is Best for Chiropractors?
Once you know what you want in a banking partner, choose banks that offer the daily options necessary for a chiropractic establishment. Some institutions specialize in health care, while others excel at assisting small operations with revenue management and growth. Here are the banks that best reflect how chiropractors work.
1. First Commonwealth Bank
As a chiropractor, you want a bank that will accommodate your diverse operational needs. First Commonwealth Bank offers business banking accounts, lending services and digital banking solutions for small health care practices. It focuses on professional offerings and features tools for owners to track expenses, income and stay organized as their clinics grow.
The website also emphasizes First Commonwealth Bank’s “knowledge, expertise and resources” in personal and commercial banking. The bank has a health care and risk-management division, indicating that it has experience working with medical centers. Because chiropractors often run cash or mixed-insurance situations and offer payment plans as part of their wellness programs, the account options make managing and tracking funds easier.
Chiropractors looking to invest in a new adjustment table, digital X-ray machine or rehabilitation unit have access to several financing options without affecting their cash flow. The firm offers remote deposit, mobile banking and online bill pay. Its cash-flow dashboard enables chiropractors to handle administrative tasks between patient visits. For practices with limited front desk staff, these features are particularly beneficial. Although First Commonwealth Bank is not strictly a chiropractic institution, its customer experience model and business-friendly structure make it the first choice for many clinic operators.
2. TD Bank
TD Bank has become one of the most popular choices for chiropractors seeking a long-term partner, thanks to its ability to fund entrepreneurs and offer a variety of solutions. The bank provides clinic acquisition loans, refinancing and lines of credit for working capital specifically tailored to meet the needs of medical practices. Its advisors understand the costs involved in opening a wellness center, such as the expense of devices and regular supply purchases.
Many operations utilize TD because of its extended branch hours and regional footprint, enabling them to make deposits and receive customer assistance when needed. Its business checking product also integrates with its merchant services, which helps many chiropractors who process a high volume of debit and credit transactions. For a growing practice with increasing transactions, the scalable tools can help them keep pace with rising patient demand.
Although not a chiropractic-specific lender, TD Bank can work with multi-location or rapidly scaling wellness centers. This lending power can offer opportunities for clinics looking to pursue larger expansions.
3. PNC Bank
PNC Bank is well-suited for chiropractic offices, with the flexibility to understand the unique needs of health practitioners. It offers a variety of financial tools that streamline each type of payment, as well as money management.
Apart from capital budget loans, PNC offers working capital lines of credit, which are particularly useful for clinics that experience seasonal fluctuations in revenue. The bank also provides equipment financing, which centers can use for digital imaging systems, rehabilitation apparatus or therapeutic devices.
Owners seeking to modernize or expand their existing facilities can use PNC’s lending programs without disrupting their operations. Other advantages include its online and mobile banking features, which help streamline payment processing and account management.
4. First Citizens Bank
First Citizens Bank lists chiropractors explicitly among other professional services. You can relax knowing that the institution understands how your facility operates and the financial challenges you face.
Its free guide includes how to manage working capital, expand offices, hire employees and cover large purchases. If you have mixed income from insurance, memberships and wellness packages, you may find the bank’s account offerings a good fit. Personalized advice is available to help business leaders make informed decisions about medium- to long-term choices, such as whether to buy or lease clinic space or when to hire an associate.
Because First Citizens understands chiropractic centers, its clients have described the support they receive as among the best in banking. They receive tools to help their centers survive and grow.
5. Regent Bank
Regent Bank is a boutique bank that offers an intimate relationship with its clients. As such, chiropractors looking for an institution that understands the medical industry and their operations often deposit here.
Practitioners looking to remodel, purchase equipment or hire an employee say the Regent Bank advisory structure enables them to make more informed decisions. Other advantages included business checking, treasury management, merchant services and loans to meet the needs of a clinic or other organization.
Regent Bank’s smaller size compared to national banks allows for a more personalized experience. It represents an attractive option for chiropractors seeking a long-term relationship with a local bank.
Comparison Table of the Best Banks for Chiropractors
To save time, the table below provides a quick reference to the best features of each potential financial partner.
| Bank | Best for | Why it fits | Key features |
| First Commonwealth Bank | Clinic-focused small business | Experience with professional service firms and a dedicated health care division | Checking, SBA loans and digital banking |
| TD Bank | Rapidly growing brands and those with multiple locations | Medical business financing experience | Merchant services and extended hours |
| PNC Bank | Facilities needing robust cash-flow management | Tools specific to health care | Offers working capital and equipment funding |
| First Citizens Bank | Professionals looking for excellent support | Lists chiropractic as an area of expertise | Helps with expansion planning |
| Regent Bank | Those looking for personalized support | Focus on the health care profession | Merchant support and customized lending |
Fortunately, more small businesses are reporting excellent cash flow in the third quarter of 2025. Seventy-nine percent of companies offering professional services report that their health and revenue management are excellent, compared to 62% of retail owners. It’s still a good idea to develop a relationship with an institution that can offer flexible lending as necessary.
Building a Strong Banking Partnership for Chiropractic Growth
As your small business grows, the ideal bank will meet your varying needs without creating undue frustration. All entities in this guide are suitable for chiropractic firms in their own way, and every practice’s needs are unique. The right provider will help you achieve the best possible financial health, allowing you to focus on patient care. If you’re ready to optimize your income management strategy, start shopping for your perfect bank today.
