Commercial Savings

Manage your cash flow and improve your bottom line

Maximize interest earnings with commercial savings

Commercial savings is best suited for businesses focused on earning interest on reserves, while also maintaining liquidity. We offer account options for a variety of different savings needs, all backed by the financial expertise our customers expect and deserve.

Savings growth

Retain more earnings with a high-yield savings account that will grow with your business.

Money market savings

Maximize your savings potential with tiered interest rates.

Certificates of deposit

Get steady interest rates and flexible terms to meet your business needs.

Ready to open a commercial savings account?
Commercial Savings Benefits

You've worked hard to grow your business

Products for every stage

We can help you manage your cash flow. With options for both short- and long-term commercial savings needs, you can rest easy knowing your liquid savings are secure.

Practical saving options

A sensible savings account is perfect for businesses of any size. A premium savings account offers the flexibility for your interest rate to grow right along with your money. Business certificates of deposit give your small business the ability to save for the future, with a variety of flexible terms available.

Best in class banking solutions

We understand how hard you work. Having a reliable financial partner can help take some of that stress off your plate and improve your bottom line. That's why we offer a variety of sensible commercial savings options.

Digital Banking

Commercial Advantage

Accurately track cash flow

Manage your business on the go

Keep your assets secure

Digital Banking

Commercial Advantage

Accurately track cash flow

Digital Banking

Commercial Advantage

Manage your business on the go

Digital Banking

Commercial Advantage

Keep your assets secure

Commercial Savings FAQ

People often ask us

Yes—it's highly encouraged. A commercial or business savings account is an important tool for earning interest and maintaining liquidity, outside of cash and checking reserves.

Yes. A money market account is a great tool for businesses to maximize savings potential. Our money market accounts offer tiered interest earning potential, based on the balance you maintain.

Yes. Savings accounts, money market accounts and certificates of deposits all yield varying levels of interest—helping businesses earn interest while also maintaining liquidity.

Account openings are subject to normal bank approval.

For a list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services (PDF).

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941