Small Business Savings Accounts

Put your extra cash flow to work

Watch your savings grow

Choose from three small business savings accounts to help support your business needs with earned interest and convenient online access.

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
Learn more about business savings accounts

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
Learn more about premium money market savings accounts

Business CDs

Earn a guaranteed fixed interest rate.

  • Competitive fixed interest rates
  • Terms that fit your needs
  • No monthly maintenance fees
Learn more about business CDs
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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
FAQ

People often ask us

You can open a business savings account online by logging in to your account, by visiting business savings or by talking with a Financial Services Representative at your local branch.

The documentation you need to open an account will vary based on your business type and business needs. The Business Account Requirements should provide a good place to start thinking about the documents that we'll ask for during the account opening process.

The minimum deposit to open a Business Savings account is $100 and for a Premium Money Market Savings account is $25,000. For other opening balance requirements, consult our Business Savings Comparison table.

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.

A money market savings account delivers a higher interest rate on your liquid funds. And because our Premium Money Market Savings account offers tiered interest rates, the higher your balance, the more you earn.

Account openings are subject to normal bank approval.

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

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.