Premium Business Money Market Account

Increase your savings with tiered interest rates

Earn more from your liquid funds

With our Premium Money Market Savings business account, the higher your balance, the greater your interest income. 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.

Increase savings

Tiered interest rates that increase along with your balances.

Earn interest

Interest compounded daily on the daily collected balance.

Bank when you want

Access to Digital Banking Solutions.


Max your savings

Higher balances receive higher interests, helping you maximize your liquid savings.

  • Minimum opening deposit of $25,000
  • No monthly fee if $25,000 average daily balance is maintained; otherwise, a $10 monthly maintenance fee will apply
  • $0.50 for each additional deposited itemD over 50

Convenience without costs

Online and mobile access

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

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


Your account is FDIC-insured up to applicable limits.

Interest Rates

Balance Tiers



$0 to $24,999


$25,000 to $49,999


$50,000 to $99,999


$100,000 to $499,999


$500,000 to $999,999




Rates may vary depending on your area. Contact your local branch for details about our tiered savings account.

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 Rewards Visa

Earn more from your business

Make business purchases count with bonus points.
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.

Each item or transaction (other than non-PIN debit card transactions) which results in a debit or credit to the account is considered a separate "item," including each check, paper draft, deposit, item deposited, wire transfer, electronic withdrawal or transfer and PIN-based transaction.

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 $25,000 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.