Business Savings Account

Sensible business savings with liquidity

Our Business Savings Account offers your business the essential benefit of savings with liquidity and a stable source of interest-bearing funds. Log in to open an account now. You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.

Low Opening Deposit

Open an interest-bearing business savings account with a $100 minimum opening deposit.

Earn Interest

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

Bank When You Want

Access to Digital Banking Solutions.

Pricing

Boost your business

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

  • Low minimum opening deposit of $100
  • Free withdrawals and transfers if you maintain a $2,500 minimum daily ledger balance; otherwise, a $5 monthly maintenance fee will apply
  • No monthly fee if a $300 daily ledger balance is maintained; otherwise, they're $3 each after the first two each statement cycle
benefits

Convenience without costs

Online and mobile banking

Access to Digital Banking Solutions for your business—from anywhere.

Earn interest

Earn 0.03% APYDD 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

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

FDIC-insured

Your 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

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

Business Loans

Grow your business and community

As a preferred lender, we partner with the US Small Business Administration (SBA) to provide greater financing options for your business.
Visa Business Debit Card

Go cashless

Pay for everyday business purchases while managing cash flow and increasing efficiency.

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.

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.

APY (annual percentage yield) is accurate as of ${date-today}. After that time, the rate is variable and may change. Other account-related fees may apply. Fees could reduce the earnings on the account.

Minimum opening balance of $100 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APY.

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.