Business Savings Account

An online business savings account with liquidity

Put your savings to work

Our business savings account offers you the essential benefit of savings with liquidity and a stable source of interest-bearing funds. You'll need to be an existing First Citizens business customer with a Digital Banking for business login to open an account.

Low opening deposit

Open a flexible, secure savings account for business with as little as $100.

Earn steady interest

Interest is paid on daily collected funds, compounded daily and credited monthly.

Bank when you want

Access Digital Banking for business solutions from anywhere.

Ready to open a business savings account?
Business Savings Account Pricing

Boost your business

Give your enterprise the essential benefit of savings with liquidity and a stable source of interest-bearing funds with a small business savings account.

  • Low minimum opening deposit of $100
  • Free withdrawals and transfers if you maintain a $2,500 minimum daily ledger balance; otherwise, any transfers in excess of two per month are $3 each
  • No monthly fee if you maintain a $300 minimum daily ledger balance; otherwise, a $5 monthly fee applies
Business Savings Account Benefits

Convenience without costs

Online and mobile banking

Access Digital Banking for business from anywhere.

Earn interest

Earn interest on your daily balance, compounded daily and credited monthly.

Pay with confidence

Your Visa® Business Debit Card offers a safe, convenient way to pay for purchases, manage cash flow and increase efficiency—all for free.

More options

Get unlimited use of any First Citizens ATM or branch in our network—for free.D

FDIC insured

Your business savings account is FDIC insured up to applicable limits.

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

Learn more about business digital banking
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

Learn more about business digital banking
Business Savings Account FAQ

People often ask us

A business savings account is a type of bank account that allows you to save money while earning interest.

There are several advantages to opening a business savings account.

  • You'll get a financial cushion by saving extra cash flow for future expenses.
  • You'll earn interest on the money you deposit into a business savings account.
  • You can expand and grow your business with additional cash flow that's easy to access when needed.

The documentation you need to open an account will vary based on your business type and needs. Read our business account requirements to learn more about the documents we'll ask for during the account opening process.

Yes. Business accounts allow you to earn interest while also maintaining liquidity. However, the amount of interest you earn depends on the type of business savings account you open.

Yes. You can access your business savings account online—as well as your business checking, business credit card, loans and lines of credit. These accounts and their corresponding balances are automatically available through our online services and will appear each time you log in to your account.

Maintenance fees depend upon several factors. You can avoid the monthly maintenance fee for our business savings account if you maintain a minimum daily balance of $300. For requirements on our other business savings options, read our Disclosure of Products and Fees—Business Accounts and Services (PDF).

Business Savings Account Insights

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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).

Service fees may be charged by the third-party ATM operator or owner, or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside of the United States, the fee will be 3.00% of the transaction amount.

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