Premium Business Money Market Account

Increase your savings with tiered interest rates

Save more with a business money market account

With our premium business money market savings account, the higher your balance, the greater your interest income. You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login in order to open an account.

Business Money Market Account Pricing

Maximize your savings

Higher balances receive higher interest, helping you maximize your liquid savings with any business money market account you open.

  • Minimum opening deposit of $25,000
  • No monthly fee if you maintain a $25,000 average daily balance; otherwise, a $10 monthly maintenance fee applies
  • $0.50 for each additional deposited itemD over 50
  • Balance tiers allow you to save more on interest the more you have saved in your business money market account; interest rate enters a new tier with amounts over $1 million

Business Money Market Account Benefits
Convenience without costs

Online and mobile access

Access Digital Banking for business solutions 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

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

FDIC insured

Your business money market account is FDIC insured up to applicable limits.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with 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 & transfer money with ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

Business Money Market Account FAQ
People often ask us

A business money market account is a type of savings account for business owners that offers tiered rates and compound interest. This type of account often comes with a debit card and has a higher minimum opening deposit than a traditional business savings account.

The most significant benefit of establishing a business money market account is the ability to save more. Business money market rates are typically higher than traditional business savings account interest rates, tiered rates increase with account balances and interest compounds daily on account balances.

To open a business money market account, you can talk with a financial services representative at your local branch.

Business Money Market 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.

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.

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.

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