Business Savings Accounts

Put your extra cash flow to work

Business Savings

Get the benefits of savings with liquidity and a stable source of interest-bearing funds.

  • Low minimum opening deposit
  • Access to Online and Mobile Banking
  • Free Visa® Business Debit Card

Premium Money Market Savings

Help maximize your liquid savings—the higher your balance, the greater your interest.

  • Tiered interest rates
  • Low monthly maintenance fees
  • Access to Online and Mobile Banking

Business CDs

Earn a guaranteed fixed interest rate.

  • Competitive fixed interest rates
  • Terms that fit your needs
  • No monthly maintenance fees
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Visa Business Debit Card

Pay with confidence

Earn points on everyday business purchases while managing cash flow and increasing efficiency.

Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.
FAQ

People often ask us

You can access everything online—including your business checking, business credit card, loans and lines of credit (including Checkline Reserve® and EquityLine)—through our Online Services. These accounts and their corresponding balances are automatically available through online banking and will appear every time you login to your account.

We offer a variety of CDs, all with competitive interest rates. Premier Business Checking and Professional Business Checking customers earn preferred rates on CDs with a minimum deposit of $5,000. For current interest rates, contact your local First Citizens banker or visit your local branch.

The FDIC guarantees all traditional types of deposit accounts (checking, savings, money market savings and CDs) up to $250,000 per depositor and guarantees bank individual retirement accounts (IRAs) up to $250,000 per owner.

For our regular Business Savings account, you can avoid a monthly maintenance fee if you maintain a minimum daily balance of $300. For requirements on our other business savings options, consult our Disclosure of Products and Fees—Business Accounts and Services.

The minimum deposit to open a Business Savings or Commercial Money Market Savings account is $100. For other opening balance requirements, consult our Business Savings Comparison table.

Account openings are subject to bank approval.

For complete list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services.

Each item in excess of 100 per month is $0.50 per item.

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.