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The 10 best business savings accounts November 2024: A guide to the best savings accounts for your small business | Fortune Recommends
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>The 10 best business savings accounts November 2024: A guide to the best savings accounts for your small business | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="Check out our picks for the 10 best business savings accounts, which contain banks and fintechs offering high interest yields."/><meta name="keywords" content=""/><meta property="og:url" content="https://fortune.com/recommends/banking/best-business-savings-accounts/"/><meta property="og:type" content="article"/><meta property="og:title" content="Check out the best business savings accounts in this guide"/><meta property="og:description" content="The best business savings accounts should offer high interest yields and limited fees. Click to see our list."/><meta property="og:site_name" content="Fortune Recommends"/><meta property="og:image" content="https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_Best-Business-Savings-account-e1730491585188.jpg?resize=1200,600"/><meta property="og:width" content="1024"/><meta property="og:height" content="683"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Check out the best business savings accounts in this guide"/><meta name="twitter:description" content="The best business savings accounts should offer high interest yields and limited fees. Click to see our list."/><meta name="twitter:image" content="https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_Best-Business-Savings-account-e1730491585188.jpg?resize=1200,600"/><meta name="twitter:url" content="https://fortune.com/recommends/banking/best-business-savings-accounts/"/><meta property="fb:pages" content="56501027948"/><meta name="robots" content="max-image-preview:large"/><link rel="preconnect" href="https://www.google-analytics.com" crossorigin=""/><link rel="preconnect" href="https://www.googletagservices.com" crossorigin=""/><link rel="preconnect" href="https://ad.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://static.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://securepubads.g.doubleclick.net" crossorigin=""/><link rel="icon" href="/icons/favicons/favicon.ico"/><link rel="canonical" href="https://fortune.com/recommends/banking/best-business-savings-accounts/"/><link rel="preload" href="https://fortune.com/fonts/GraphikCondensed-Regular-Web.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preconnect" href="https://static.myfinance.com" crossorigin=""/><link rel="alternate" type="application/rss+xml" title="Fortune RSS" href="https://fortune.com/feed/fortune-feeds/?id=3656532"/><script id="faq-json-schema" type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The IRS does require you to pay taxes on any interest earned for a business savings account. However, if you have a tax-deferred savings account, such as an individual retirement account (IRA), you won’t have to pay taxes right away."},"name":"Is a business savings account taxed?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Almost all banks offer either a free business savings account or one with a waivable monthly fee. All 10 financial institutions in our buyer’s guide, including Lili, Capital One, and Prime Alliance Bank, have either a free business savings account or one with a waivable monthly fee."},"name":"What bank offers free business savings accounts?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"It is worth having a savings account for three primary reasons. First, it allows you to separate reserve funds from operational funds, allowing you to save for future expenses. Second, you can set aside tax payments so those funds are not spent before your quarterly payments. Finally, you can save up for large capital purchases, which may keep you from taking out a loan."},"name":"Is it worth having a business savings account?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) 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BUSINESS</span></li></ol></nav></div><h1 data-cy="header-title" class="sc-3358ecfd-0 sc-bc78b52c-2 cLhSQr ilZHXK">The 10 best business savings accounts for November 2024</h1><div class="sc-bc78b52c-3 hKydgS"><div data-cy="header-authors" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/matt-sexton/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Matt Sexton author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Matt Sexton" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Matt Sexton" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=96&q=75"/></noscript></span><div class="sc-4aadc14e-2 hyvKyP"><div class="sc-4aadc14e-3 wCShc"><div data-cy="author-by-text" class="sc-4aadc14e-5 gQdnNk">BY</div><div data-cy="author-name" class="sc-4aadc14e-6 dImtxq">Matt Sexton</div></div><div class="sc-4aadc14e-4 oxMCx">Personal Finance Expert</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/matt-sexton/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/matt-sexton/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Matt Sexton</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Matt Sexton is a personal finance expert </span><span style="font-weight:400">who specializes in business and banking coverage. Matt has more than 25 years of journalism experience, most recently as a writer and content producer for Fit Small Business. His expertise has been featured in articles on GOBankingRates, Credit Karma, IncFile, Yahoo! and MoneyGeek.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/matthew-sexton-1a9967122/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/matt-sexton/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></span><span class="sc-4aadc14e-7 fLvwvm"><div class="sc-8357b4fc-1 gslWGR"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ sc-8357b4fc-6 cytaS " aria-label="Go to Abigail Rueger author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Abigail Rueger" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Abigail Rueger" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=96&q=75"/></noscript></span><span class="sc-8357b4fc-4 iiWsis"><span class="sc-8357b4fc-3 hVwMNA"><svg width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark"><path d="M7.94771 16C12.3378 16 15.8954 12.4173 15.8954 8C15.8954 3.581 12.3362 0 7.94771 0C3.55924 0 0 3.58266 0 8C0 12.419 3.55924 16 7.94771 16Z" fill="#00CD98"></path><path d="M12.0049 4.83243C12.1961 5.00003 12.2175 5.29208 12.051 5.48458C12.0494 5.48789 12.0461 5.48955 12.0444 5.49287L7.04436 11.1531C6.87291 11.3456 6.57946 11.3639 6.38658 11.1913C6.37339 11.1797 6.3602 11.1664 6.34866 11.1531L3.84944 8.3205C3.67964 8.12469 3.69778 7.82766 3.89231 7.65674C4.08684 7.48582 4.38193 7.50407 4.55173 7.69988L6.72289 10.1376L11.3751 4.854C11.5416 4.66151 11.8318 4.63994 12.023 4.80754C12.0263 4.81086 12.028 4.81252 12.0313 4.81583L12.0049 4.83243Z" fill="white"></path></svg><span data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Abigail Rueger</span></span><span class="sc-8357b4fc-5 eFRRvB">Deputy Editor, Banking</span></span></a><div class="sc-3be47025-11 fcFEKV sc-8357b4fc-0 ipkJtx"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li><a href="#top-10" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-10">The 10 best online checking accounts</a><ul><li><a href="#Lili" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Lili">Lili</a></li><li><a href="#Capital-One" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Capital-One">Capital One</a></li><li><a href="#Prime" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Prime">Prime Alliance Bank</a></li><li><a href="#Axos" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Axos">Axos Bank</a></li><li><a href="#Forbright" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Forbright">Forbright Bank</a></li><li><a href="#Live-Oak" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Live-Oak">Live Oak Bank</a></li><li><a href="#First-Internet" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #First-Internet">First Internet Bank</a></li><li><a href="#Hope" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Hope">Hope Credit Union</a></li><li><a href="#Relay" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Relay">Relay</a></li><li><a href="#First-Tech" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #First-Tech">First Tech FCU</a></li></ul></li><li><a href="#what-to-know" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what-to-know">What is a business savings account?</a></li><li><a href="#why" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #why">Why should my business have a savings account?</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons of business savings accounts</a></li><li><a href="#how-much" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-much">How much to save</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternatives to business savings accounts</a></li><li><a href="#our-methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #our-methodology">Our methodology</a></li><li><a href="#FAQ" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQ">Frequently asked questions</a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li><a href="#top-10" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-10">The 10 best online checking accounts</a><ul><li><a href="#Lili" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Lili">Lili</a></li><li><a href="#Capital-One" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Capital-One">Capital One</a></li><li><a href="#Prime" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Prime">Prime Alliance Bank</a></li><li><a href="#Axos" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Axos">Axos Bank</a></li><li><a href="#Forbright" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Forbright">Forbright Bank</a></li><li><a href="#Live-Oak" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Live-Oak">Live Oak Bank</a></li><li><a href="#First-Internet" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #First-Internet">First Internet Bank</a></li><li><a href="#Hope" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Hope">Hope Credit Union</a></li><li><a href="#Relay" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Relay">Relay</a></li><li><a href="#First-Tech" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #First-Tech">First Tech FCU</a></li></ul></li><li><a href="#what-to-know" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what-to-know">What is a business savings account?</a></li><li><a href="#why" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #why">Why should my business have a savings account?</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons of business savings accounts</a></li><li><a href="#how-much" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-much">How much to save</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternatives to business savings accounts</a></li><li><a href="#our-methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #our-methodology">Our methodology</a></li><li><a href="#FAQ" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQ">Frequently asked questions</a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p>Small businesses looking to make passive revenue on reserve funds should consider opening a business savings account. The best business <a href="https://fortune.com/recommends/banking/best-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-savings-accounts/">savings accounts</a> should earn a strong interest yield while also allowing you the liquidity to access your funds in an emergency. We have chosen the 10 best business savings accounts for your small business.</p><div class="paywall-selector"></div><div class="paywall"> <p>Check out our <a href="#our-methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #our-methodology">methodology</a> to see how we chose these providers.</p> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3><em>Why trust Fortune Recommends™</em></h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines</a> and the <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">banking methodology</a> for the ratings below.</p> <ul><li><em>More than 20 financial institutions compared</em></li> <li><em>Over 360 data points tracked</em></li> <li><em>4 layers of fact-checking</em></li> <li><em>Guided by over 25 years of banking experience</em></li></ul></details> <h2 class="wp-block-heading"><strong>The 10 best business savings accounts for November 2024</strong></h2> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col"><strong>Savings account</strong></th><th scope="col"><strong>Top annual percentage yield (APY)</strong></th><th scope="col"><strong>Best for</strong></th><th scope="col"><strong>Learn more</strong></th></tr></thead><tbody><tr><th scope="row">Lili Business Banking Account</th><td class="">3.65%</td><td class="">All-in-one bank account</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Capital One Business Savings Account</th><td class="">4.00%</td><td class="">Short-term promotional interest rate</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Prime Alliance Bank Business Savings Account</th><td class="">3.85%</td><td class="">Tiered interest earnings</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Axos Business Premium Savings</th><td class="">4.01%</td><td class="">Tiered account opening bonus</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Forbright Bank Bright Business Savings</th><td class="">3.35%</td><td class="">High balance interest earning</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Live Oak Bank Business Savings Account</th><td class="">3.80%</td><td class="">Highest account opening bonus</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">First Internet Bank Regular Savings Account</th><td class="">0.91%</td><td class="">Sole proprietors</td><td class="last-cell">Read our <a href="https://fortune.com/recommends/banking/first-internet-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-internet-bank-review/">First Internet Bank review</a></td></tr><tr><th scope="row">Hope Credit Union Business Savings Account</th><td class="">0.25%</td><td class="">Businesses that want to give back</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Relay Automated Savings Account</th><td class="">3.00%</td><td class="">Automated business savings</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">First Tech FCU Simple Business Savings</th><td class="">0.01%</td><td class="">Businesses that want a credit union</td><td class="last-cell">Read our <a href="https://fortune.com/recommends/banking/first-tech-fcu-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-tech-fcu-review/">First Tech FCU review</a></td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th>Lili Business Banking Account</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>3.65%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>All-in-one bank account</td></tr><tr><th>Capital One Business Savings Account</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>4.00%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Short-term promotional interest rate</td></tr><tr><th>Prime Alliance Bank Business Savings Account</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>3.85%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Tiered interest earnings</td></tr><tr><th>Axos Business Premium Savings</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>4.01%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Tiered account opening bonus</td></tr><tr><th>Forbright Bank Bright Business Savings</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>3.35%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>High balance interest earning</td></tr><tr><th>Live Oak Bank Business Savings Account</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>3.80%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Highest account opening bonus</td></tr><tr><th>First Internet Bank Regular Savings Account</th><th class="last-cell">Read our <a href="https://fortune.com/recommends/banking/first-internet-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-internet-bank-review/">First Internet Bank review</a></th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>0.91%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Sole proprietors</td></tr><tr><th>Hope Credit Union Business Savings Account</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>0.25%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Businesses that want to give back</td></tr><tr><th>Relay Automated Savings Account</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings&tag.sub_id=4061517" rel="noopener" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>3.00%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Automated business savings</td></tr><tr><th>First Tech FCU Simple Business Savings</th><th class="last-cell">Read our <a href="https://fortune.com/recommends/banking/first-tech-fcu-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-tech-fcu-review/">First Tech FCU review</a></th></tr><tr><th class="header" scope="row"><strong>Top annual percentage yield (APY)</strong></th><td>0.01%</td></tr><tr><th class="header" scope="row"><strong>Best for</strong></th><td>Businesses that want a credit union</td></tr></tbody></table></div> <h2 class="wp-block-heading" id="top-10"><strong>Our picks for the top 10 business savings accounts</strong></h2> <p>When rounding up the best business savings accounts, we chose providers offering high interest rates, limited fees, excellent customer service, and easy online and mobile app access. </p> <p>Minimum deposit requirements, fees, and other terms and conditions are accurate as of November 22, 2024, and are subject to change.</p> <h3 class="wp-block-heading" id="Lili"><strong>1. Lili: Best all-in-one bank account</strong></h3> <p>Lili offers all-in-one banking, accounting, and tax preparation software for small businesses. To earn 3.65% APY on Lili’s savings account on balances up to and including $100,000, you must sign up for one of the provider’s paid plans, which starts at $9 a month.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="capitalone" class="card-title">Lili</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$0</td> </tr> <tr> <td>Top APY:</td> <td>3.65% (only available in paid tiers)</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$0</td> </tr> <tr> <td>Monthly fee:</td> <td>$0 for Basic; $9 for Lili Pro to earn interest</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="The Lili Logo." loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-161837e1-e7b1-49d2-b226-7f6a794357b3" role="tab" name="accordion-pannel-161837e1-e7b1-49d2-b226-7f6a794357b3" type="radio" aria-controls="content0-161837e1-e7b1-49d2-b226-7f6a794357b3" checked=""/> <label tabindex="0" role="button" for="control0-161837e1-e7b1-49d2-b226-7f6a794357b3"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-161837e1-e7b1-49d2-b226-7f6a794357b3" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-161837e1-e7b1-49d2-b226-7f6a794357b3">Cash deposits; $4.95 per deposit through Green Dot retail locations.</div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Lili is an excellent option for businesses looking to consolidate online banking, accounting, and tax preparation software into one platform. You can get started with Lili for free with no monthly balance or minimum deposit requirement. However, the company’s best features are in one of the three paid tiers.</p> <p>The interest yield is solid, with the paid tiers offering 3.65% APY on balances up to and including $100,000. Lili could be a great choice for small businesses looking to earn a decent yield off of smaller reserve balances.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>To earn interest, you will need to sign up for a paid plan. The plans start with Lili Pro at $9 and increase to $33 monthly for Lili Premium. Those rates are promotional, so they will increase to $15 a month for Pro and $55 a month for Premium after three months. </p> <p>Also, many of the best accounting and tax preparation features are locked in one of the paid tiers. However, if you can consolidate all of your accounting and tax prep into the Lili app, you may save monthly over having multiple software subscriptions.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Lili</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Business checking</th><td class="last-cell">0%</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Business checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0%</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/lili-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/lili-review/">Lili review</a></p> <h3 class="wp-block-heading" id="Capital-One"><strong>2. Capital One Business Savings Account: Best for short-term promotion interest rate</strong></h3> <p>If you are looking for a traditional bank with a solid introductory business savings rate, Capital One is a solid choice. It offers 4.00% APY for the first three months before settling at its standard variable rate.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="capitalone" class="card-title">Capital One Business Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$0</td> </tr> <tr> <td>Top APY:</td> <td>4.00% APY ($10,000 to $10 million)</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$0</td> </tr> <tr> <td>Monthly fee:</td> <td>$3; waivable with $300 collected balance range</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="145" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 145'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-3b3e38b3-dcf3-4ba0-968b-cad213787004" role="tab" name="accordion-pannel-3b3e38b3-dcf3-4ba0-968b-cad213787004" type="radio" aria-controls="content0-3b3e38b3-dcf3-4ba0-968b-cad213787004" checked=""/> <label tabindex="0" role="button" for="control0-3b3e38b3-dcf3-4ba0-968b-cad213787004"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-3b3e38b3-dcf3-4ba0-968b-cad213787004" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-3b3e38b3-dcf3-4ba0-968b-cad213787004">Cash deposits are free for the first $10,000 a month, then $1 per $1,000 deposited; $2 per withdrawal at ATMs outside of Capital One, MoneyPass, and Allpoint ATM networks.</div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Capital One is a great option for businesses looking to earn a solid yield for a new account and a consistent long-term yield. The long-term rate is likely low. However, for 92 days after opening the account, you will earn 4.00% APY on balances between $10,000 and $10 million.</p> <p>It is also a solid choice for people who would rather keep their business banking with a traditional bank instead of an online bank or financial technology (fintech) company. Capital One offers a wide range of business and personal banking products and services.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>The caveat with opening a Capital One business savings account is that the rate will drop to the standard variable rate after three months. With interest rates likely dropping nationwide in the coming months, this rate may be very low. You may consider moving your funds to an account with a higher yield once the introductory rate period ends. </p> <p>Also, you are limited to just six free withdrawals per monthly statement cycle. If you need to access your savings funds more often than that, you may want to consider an alternative or an interest-bearing <a href="https://fortune.com/recommends/banking/best-business-checking-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-business-checking-accounts/">business checking account</a>.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Capital One</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Business checking</th><td class="last-cell">0%</td></tr><tr><th scope="row">Business certificates of deposit (CDs)</th><td class="last-cell">Rates not disclosed; you must visit a branch for more information</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Business checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0%</td></tr><tr><th>Business certificates of deposit (CDs)</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>Rates not disclosed; you must visit a branch for more information</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/capital-one-360-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/capital-one-360-review/">Capital One review</a></p> <h3 class="wp-block-heading" id="Prime"><strong>3. Prime Alliance Bank Business Savings Account: Best for tiered interest earnings</strong></h3> <p>Prime Alliance Bank and its business savings account is an ideal option for companies looking to increase interest yield as balances increase. Prime Alliance Bank operates as an online bank for most customers, although it has one physical location in Woods Cross, Utah. Rates range from 3.85% APY to 3.85% APY.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="capitalone" class="card-title">Prime Alliance Bank Business Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$0</td> </tr> <tr> <td>Top APY:</td> <td>3.85% ($200,000 or more)</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$1</td> </tr> <tr> <td>Monthly fee:</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-4290d0a4-19d4-4cdc-b0c8-1b9fabed7f01" role="tab" name="accordion-pannel-4290d0a4-19d4-4cdc-b0c8-1b9fabed7f01" type="radio" aria-controls="content0-4290d0a4-19d4-4cdc-b0c8-1b9fabed7f01" checked=""/> <label tabindex="0" role="button" for="control0-4290d0a4-19d4-4cdc-b0c8-1b9fabed7f01"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-4290d0a4-19d4-4cdc-b0c8-1b9fabed7f01" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-4290d0a4-19d4-4cdc-b0c8-1b9fabed7f01">$10 per transfer/withdrawal if you exceed the limit of six per month; if you exceed this limit three times in a rolling 12 months, the account will be changed to a demand deposit account.</div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>The bank rewards you with higher interest earnings as your savings balance increases. You will earn 3.85% APY on balances between $1 and $99,999.99. For balances between $100,000 and $199,999.99, you will earn 4.05% APY. The highest APY tier is for balances over $200,000, earning you 3.85% APY.</p> <p>Like Capital One, Prime Alliance Bank is a traditional bank. This will appeal to some businesses that do not want to use a fintech for their business banking. While most customers will use it as an online bank, customer service is handled by the branch location.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>There is a limit to six transfers and withdrawals per month, with each excess transaction costing $10. If you exceed the limit three times in a rolling 12-month period, the account is converted to a demand deposit account, and you will earn significantly less interest.</p> <p>To open a business savings account, you must email the bank; it cannot be opened directly on the website. Some personal accounts can be opened online, but most accounts offered by Prime Alliance Bank require an email.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Prime Alliance Bank</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Business interest checking</th><td class="last-cell">0.20% APY</td></tr><tr><th scope="row">Business money market account</th><td class="last-cell">4.25% APY ($200,000 or more)</td></tr><tr><th scope="row">Business CDs</th><td class="last-cell">4.90% APY (6 months)</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Business interest checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.20% APY</td></tr><tr><th>Business money market account</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>4.25% APY ($200,000 or more)</td></tr><tr><th>Business CDs</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>4.90% APY (6 months)</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/prime-alliance-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/prime-alliance-bank-review/">Prime Alliance Bank review</a></p> <h3 class="wp-block-heading" id="Axos"><strong>4. Axos Bank Business Premium Savings Account: Best for tiered account opening bonus</strong></h3> <p>Businesses that want to earn solid interest yield with the potential of earning a new account bonus of up to $375 should consider Axos Bank and its premium business savings. All balances up to $5 million earn 4.01% APY.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="axos" class="card-title">Axos Bank Business Premium Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$0</td> </tr> <tr> <td>Top APY:</td> <td>4.01%</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$0</td> </tr> <tr> <td>Monthly fee:</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-5991e099-d0f8-4566-a60d-4926e4c8e3a3" role="tab" name="accordion-pannel-5991e099-d0f8-4566-a60d-4926e4c8e3a3" type="radio" aria-controls="content0-5991e099-d0f8-4566-a60d-4926e4c8e3a3" checked=""/> <label tabindex="0" role="button" for="control0-5991e099-d0f8-4566-a60d-4926e4c8e3a3"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-5991e099-d0f8-4566-a60d-4926e4c8e3a3" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-5991e099-d0f8-4566-a60d-4926e4c8e3a3"> Item processing fee of 30 cents for each item over 20 per month. </div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>If you want to earn up to $375 in a cash back bonus for opening a new account, Axos could be a great option. The bonus is earned by keeping a specific average daily balance for three months out of a four-month period. You earn $75 per cycle with an average daily balance between $30,000 and $74,999.99 and $125 per cycle for a balance over $75,000.</p> <p>The account also offers a very solid interest rate. While the website lists balance tiers for interest earning, all tiers below $5 million earn 4.01% APY. This rate is subject to change, so be sure to check the latest rates before opening an account.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>Axos offers a lot of other perks in addition to a new account sign-up bonus and a high interest rate. You get free incoming wires with Axos Bank and QuickBooks integration. As with some of the other banks on this list, Axos offers extended Federal Deposit Insurance Corp. (FDIC) insurance through insured cash sweeps (ICS) through IntraFi Network Deposits. This coverage can be extended up to $250 million.</p> <p>In addition, while Axos Bank doesn’t offer branch locations, it is another FDIC-insured bank and not a fintech. So, businesses comfortable with online banking and the security of a traditional bank can find one here.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Axos</h4></summary><p><br/></p><h4 class="wp-block-heading"></h4><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Basic business checking</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">Business interest checking</th><td class="last-cell">1.01% APY</td></tr><tr><th scope="row">Business money market</th><td class="last-cell">0.20% APY</td></tr><tr><th scope="row">Business savings</th><td class="last-cell">0.20% APY</td></tr><tr><th scope="row">Nonprofit money market</th><td class="last-cell">0.20% APY</td></tr><tr><th scope="row">Business CDs</th><td class="last-cell">0.20% APY</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Basic business checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>Business interest checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>1.01% APY</td></tr><tr><th>Business money market</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.20% APY</td></tr><tr><th>Business savings</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.20% APY</td></tr><tr><th>Nonprofit money market</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.20% APY</td></tr><tr><th>Business CDs</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.20% APY</td></tr></tbody></table></div><p></p></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/axos-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/axos-bank-review/">Axos Bank review</a></p> <h3 class="wp-block-heading" id="Forbright"><strong>5. Forbright Bank Bright Business Savings: Best for high balance interest earning</strong></h3> <p>Forbright Bank is another traditional financial institution that operates mainly as an online bank outside of three locations in Virginia and Maryland. It offers a strong interest yield of up to 3.35% APY, with that rate available with a balance of $250,000 or more.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="capitalone" class="card-title">Forbright Bank Bright Business Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$250</td> </tr> <tr> <td>Top APY:</td> <td>3.35% APY</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>1 cent</td> </tr> <tr> <td>Monthly fee:</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-19d20c35-2bab-48be-a5cc-f4c6a9646ca3" role="tab" name="accordion-pannel-19d20c35-2bab-48be-a5cc-f4c6a9646ca3" type="radio" aria-controls="content0-19d20c35-2bab-48be-a5cc-f4c6a9646ca3" checked=""/> <label tabindex="0" role="button" for="control0-19d20c35-2bab-48be-a5cc-f4c6a9646ca3"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-19d20c35-2bab-48be-a5cc-f4c6a9646ca3" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-19d20c35-2bab-48be-a5cc-f4c6a9646ca3">None outside of standard wire fees; out-of-network ATM fees reversed within one business day.</div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>We chose this bank because it offers a solid interest yield with a 1-cent balance required to earn interest. Balances below $250,000 will earn 3.35% APY, and balances of $250,000 and above will earn 3.35% APY, among the top rates on this list.</p> <p>Forbright also reverses any out-of-network ATM fees within one business day. There is no monthly maintenance fee for the account, and the minimum opening deposit is only $250. The only other potential fees you might run into are standard fees like wire transfers, overdraft fees, and more.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>This account requires a $500 opening deposit, which is higher than many competitors on this list. It is also primarily an online-only bank with only three physical locations in Maryland and Virginia. </p> <p>In addition, if you are considering opening personal accounts with Forbright, you may need to visit a branch location. The only personal accounts that can be opened online are a high-yield savings account and a CD.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Forbright Bank</h4></summary><p></p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Commercial checking</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">Commercial NOW</th><td class="last-cell">0.10% APY</td></tr><tr><th scope="row">Commercial money market</th><td class="last-cell">3.50% APY</td></tr><tr><th scope="row">Commercial platinum money market</th><td class="last-cell">4.25% APY</td></tr><tr><th scope="row">Commercial statement savings</th><td class="last-cell">3.00% APY</td></tr><tr><th scope="row">Interest on Lawyers’ Trust Accounts (IOLTA)</th><td class="last-cell">4.25% APY</td></tr><tr><th scope="row">Maryland Affordable Housing Trust (MAHT)</th><td class="last-cell">0.10% APY</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Commercial checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>Commercial NOW</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.10% APY</td></tr><tr><th>Commercial money market</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>3.50% APY</td></tr><tr><th>Commercial platinum money market</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>4.25% APY</td></tr><tr><th>Commercial statement savings</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>3.00% APY</td></tr><tr><th>Interest on Lawyers’ Trust Accounts (IOLTA)</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>4.25% APY</td></tr><tr><th>Maryland Affordable Housing Trust (MAHT)</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.10% APY</td></tr></tbody></table></div></details> <h3 class="wp-block-heading" id="Live-Oak"><strong>6. Live Oak Bank Business Savings Account: Best for highest account opening bonus</strong></h3> <p>Live Oak Bank offers an excellent business savings account that earns 3.80% APY. In addition, you can earn a $400 cash back bonus by opening a new account and meeting certain balance requirements.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="capitalone" class="card-title">Live Oak Bank Business Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$0</td> </tr> <tr> <td>Top APY:</td> <td>3.80% APY</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>1 cent</td> </tr> <tr> <td>Monthly fee:</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="The Live Oak Bank Logo." loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-56bf218f-61d6-46fb-976c-4d9520f3e206" role="tab" name="accordion-pannel-56bf218f-61d6-46fb-976c-4d9520f3e206" type="radio" aria-controls="content0-56bf218f-61d6-46fb-976c-4d9520f3e206" checked=""/> <label tabindex="0" role="button" for="control0-56bf218f-61d6-46fb-976c-4d9520f3e206"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-56bf218f-61d6-46fb-976c-4d9520f3e206" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-56bf218f-61d6-46fb-976c-4d9520f3e206">$10 dormancy fee if balance is less than $10.01 and there is no activity for 24 consecutive months.</div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Live Oak is another traditional bank operating as an online-only financial institution. It has an interest rate that is competitive with other providers on this list. You can earn 3.80% APY on all balances above a penny. You can also earn a $400 cash back bonus by opening a new account, depositing at least $30,000 into it, and maintaining that balance for 90 days.</p> <p>This account has no monthly fees or minimum opening deposit requirements. The bank extends your FDIC Insurance through IntraFi Network to up to $10 million. Also, it offers several ways to</p> <p>fund your account, including automated clearing house (ACH) and wire transfers, mobile check deposits, and mailing a check directly to the bank.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>Unlike other options on this list, you cannot deposit cash into a Live Oak Bank account. The cash back bonus is a limited-time offer, so check with Live Oak to ensure it is still active before opening an account.</p> <p>Live Oak Bank is another FDIC-insured bank without branch locations. However, the lack of branches allows Live Oak to offer higher interest rates than brick-and-mortar banks. Be sure to regularly perform transactions or keep the balance higher than $10.01 in the account. Accounts with a lower balance than $10.01 and no transactions for 24 consecutive months are subject to a dormancy fee.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Live Oak Bank</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Business Essential</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">Business Plus</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">Business Plus Analysis</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">CDs</th><td class="last-cell">4.30% APY (12 months)</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Business Essential</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>Business Plus</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>Business Plus Analysis</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>CDs</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>4.30% APY (12 months)</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/live-oak-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/live-oak-bank-review/">Live Oak Bank review</a></p> <h3 class="wp-block-heading" id="First-Internet"><strong>7. First Internet Bank Regular Savings Account: Best for sole proprietors</strong></h3> <p>If you are a sole proprietor, First Internet Bank’s business savings account could be a great option. It doesn’t have the highest interest earnings, with an APY of 0.91%, but it has an easily waivable monthly fee. The bank also offers a high-yield money market that may be worth upgrading to as your balance grows.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="first-internet-bank" class="card-title">First Internet Bank Regular Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$100</td> </tr> <tr> <td>Top APY:</td> <td>0.91% APY</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$0</td> </tr> <tr> <td>Monthly fee:</td> <td>$2, waived with an average daily balance of $1,000 or greater</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="The First Internet Bank Logo." loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-a8c6fcbe-2c84-4d86-8983-d7acdd61bba2" role="tab" name="accordion-pannel-a8c6fcbe-2c84-4d86-8983-d7acdd61bba2" type="radio" aria-controls="content0-a8c6fcbe-2c84-4d86-8983-d7acdd61bba2" checked=""/> <label tabindex="0" role="button" for="control0-a8c6fcbe-2c84-4d86-8983-d7acdd61bba2"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-a8c6fcbe-2c84-4d86-8983-d7acdd61bba2" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-a8c6fcbe-2c84-4d86-8983-d7acdd61bba2">None outside of traditional bank fees, including wire fees, stop payment, and other banking services.</div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>First Internet Bank is another traditional bank operating primarily online. While many business types can open a savings account, only a sole proprietor can get an ATM card with a savings account. While it has a lower interest yield than other online-only banks, the 0.91% APY beats many traditional banks.</p> <p>In addition, you have the option of upgrading to the bank’s money market account, which has an APY of 3.46% on balances below $5 million and 4.95% APY on balances above that threshold. Otherwise, the savings account is a solid choice with a $2 monthly fee that is waivable with an average daily balance of $1,000 or greater. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>If you aren’t interested in upgrading to the higher-rate money market account, you should probably consider one of the many savings accounts on this list with a higher APY. </p> <p>You can fund your account via wire or ACH, or you can mail checks to the bank directly. You cannot mail cash to the bank to be deposited into your account. The bank does not charge for ATM transactions, but you may pay third-party ATM fees.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from First Internet Bank</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Do More Business Checking</th><td class="last-cell">0.50% APY</td></tr><tr><th scope="row">Money Market Savings</th><td class="last-cell">4.95% APY</td></tr><tr><th scope="row">CDs</th><td class="last-cell">4.42% APY (12 months)</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Do More Business Checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.50% APY</td></tr><tr><th>Money Market Savings</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>4.95% APY</td></tr><tr><th>CDs</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>4.42% APY (12 months)</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/first-internet-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-internet-bank-review/">First Internet Bank review</a></p> <h3 class="wp-block-heading" id="Hope"><strong>8. Hope Credit Union Business Savings Account: Best for businesses that want to give back</strong></h3> <p>Hope Credit Union could be a good option for businesses who want to use a credit union for their business savings account. It costs $10 to join, and $5 goes to Hope Enterprise Corporation, a nonprofit that provides financial services and advocacy for under-resourced Deep South communities.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="cloudbank" class="card-title">Hope Credit Union Business Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$15</td> </tr> <tr> <td>Top APY:</td> <td>0.25% APY</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$100</td> </tr> <tr> <td>Monthly fee:</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-4da9b9f5-f728-48ff-8ae6-88f3cfa9a6c2" role="tab" name="accordion-pannel-4da9b9f5-f728-48ff-8ae6-88f3cfa9a6c2" type="radio" aria-controls="content0-4da9b9f5-f728-48ff-8ae6-88f3cfa9a6c2" checked=""/> <label tabindex="0" role="button" for="control0-4da9b9f5-f728-48ff-8ae6-88f3cfa9a6c2"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-4da9b9f5-f728-48ff-8ae6-88f3cfa9a6c2" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-4da9b9f5-f728-48ff-8ae6-88f3cfa9a6c2">Excess withdrawal fee may apply if you exceed four in a month.</div> </section></div> </div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>While the interest yield on this account is lower than that of other providers on this list, joining Hope Credit Union is more than about earning interest yield. Hope Enterprise Corporation has helped millions of people in Alabama, Arkansas, Louisiana, Mississippi, and Tennessee directly, as well as others in underresourced communities nationwide.</p> <p>When you join Hope Credit Union to open an account, $5 of the $10 fee goes to helping people in those states overcome difficult financial conditions. </p><div data-cy="nativoTout"></div> <h4 class="wp-block-heading">What to consider before opening</h4> <p>You must maintain a $15 minimum balance, and a balance of $100 is required to earn interest. Hope CU limits you to four free withdrawals per month. Excess withdrawals may incur a fee. </p> <p>The savings account has no monthly fee. To open an account, you must visit a branch or call the bank. You can also fill out a contact form on the website.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Hope FCU</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Business Choice Checking</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">Business Checking</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">Business Checking Plus</th><td class="last-cell">0% APY</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Business Choice Checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>Business Checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>Business Checking Plus</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/hope-credit-union-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/hope-credit-union-review/">Hope Credit Union review</a></p> <h3 class="wp-block-heading" id="Relay"><strong>9. Relay Automated Savings Account: Best for automated business savings</strong></h3> <p>If you want a business savings account that can be automated to deduct funds from your checking account and move it to savings, Relay could be a great option. A fintech backed by Thread Bank, Relay allows you to earn up to 3.00% APY in a tiered earnings structure.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="relay" class="card-title">Relay Automated Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$0</td> </tr> <tr> <td>Top APY:</td> <td>3.00% APY ($1 million or more)</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$1</td> </tr> <tr> <td>Monthly fee:</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings&tag.sub_id=4061517" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings&tag.sub_id=4061517" rel="noopener nofollow" aria-disabled="true">View offer </a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-34b5d819-7016-4f32-8f0c-0da9b7d38a35" role="tab" name="accordion-pannel-34b5d819-7016-4f32-8f0c-0da9b7d38a35" type="radio" aria-controls="content0-34b5d819-7016-4f32-8f0c-0da9b7d38a35" checked=""/> <label tabindex="0" role="button" for="control0-34b5d819-7016-4f32-8f0c-0da9b7d38a35"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-34b5d819-7016-4f32-8f0c-0da9b7d38a35" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-34b5d819-7016-4f32-8f0c-0da9b7d38a35">None.</div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Relay offers a great automated savings feature that can help you put money aside for future business expenses. Balances between $1 and $50,000 earn 1.00% APY. As your balance increases between $50,000 and $250,000, the APY increases to 1.50%. It increases to 2.00% APY between $250,000 and $1 million, then maxes out at 3.00% APY for balances above $1 million.</p> <p>You can open up to two savings accounts with Relay. In addition, Relay works closely with the Profit First method, allowing you to save for future profit and tax reserves. The auto transfer feature can make the two monthly allocations automatically. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>Relay is a fintech and not a bank. It is backed by Thread Bank, which offers extended FDIC insurance up to $3 million. If you also use Relay for your checking, you can open up to 20 individual checking accounts and assign up to 50 physical or virtual debit cards, allowing you to have spending controls among a large team.</p> <p>The company does not charge monthly or overdraft fees. It also doesn’t have minimum balance requirements. If you need additional features, including auto-importing bills from QuickBooks or Xero, approval rules for bill payments, or faster ACH payments, you can upgrade to Relay Pro for $30 per month. But unlike other fintechs, Relay doesn’t lock all its best features behind the paywall.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Relay</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Business Checking</th><td class="last-cell">0% APY</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Business Checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/relay-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/relay-review/">Relay review</a></p> <h3 class="wp-block-heading" id="First-Tech"><strong>10. First Tech FCU Simple Business Savings: Best for businesses wanting a credit union</strong></h3> <p>While First Tech FCU offers the lowest interest rate of any business savings account on this list, it can still be a good choice for companies who want the benefits of credit union membership. These include lower loan rates, business insurance products, and other benefits.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="capitalone" class="card-title">First Tech FCU Simple Business Savings</h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum opening deposit:</td> <td>$25</td> </tr> <tr> <td>Top APY:</td> <td>0.01% APY</td> </tr> <tr> <td>Minimum to earn APY:</td> <td>$0</td> </tr> <tr> <td>Monthly fee:</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png?w=1440&q=75"/></div> <div class="card-area-4"><section class="card-accordion three-pannels" role="tablist"> <input id="control0-cb828cee-1c74-4cb1-a082-48346c2b6f62" role="tab" name="accordion-pannel-cb828cee-1c74-4cb1-a082-48346c2b6f62" type="radio" aria-controls="content0-cb828cee-1c74-4cb1-a082-48346c2b6f62" checked=""/> <label tabindex="0" role="button" for="control0-cb828cee-1c74-4cb1-a082-48346c2b6f62"><label tabindex="0" role="button" for="control0-[ID]"> Other potential fees</label></label> <div id="content0-cb828cee-1c74-4cb1-a082-48346c2b6f62" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-cb828cee-1c74-4cb1-a082-48346c2b6f62">None.</div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>If you choose the First Tech FCU savings account, it is because you already belong to the credit union or are interested in joining. The account only earns 0.01% APY, the lowest APY on our list. It is a free account with no monthly fees.</p> <p>It could be a good option for those who want the full benefits of being a member of First Tech FCU. The credit union offers several deposit accounts, business loan products, business insurance services, and dozens of personal banking products and services.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>To open this account, you will need to join the credit union. To become a member, you must work for one of the credit union’s partner companies, be a family member of a current member, work in the state of Oregon, live or work in Lane County, Oregon, belong to the Computer History Museum, or belong to the Financial Fitness Association.</p> <p>If you don’t meet any of those criteria, you may still be able to join by contacting the credit union directly. While the business savings account has a very low interest rate, the credit union offers a solid personal savings option that earns up to 4.00% APY. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from First Tech FCU</h4></summary><div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr></tr></thead><tbody><tr><th scope="row"><strong>Additional product</strong></th><td class="last-cell"><strong>Top APY</strong></td></tr><tr><th scope="row">Business Checking</th><td class="last-cell">0% APY</td></tr><tr><th scope="row">Business Membership Savings</th><td class="last-cell">0.01% APY</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJs"><tbody><tr><th><strong>Additional product</strong></th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td><strong>Top APY</strong></td></tr><tr><th>Business Checking</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0% APY</td></tr><tr><th>Business Membership Savings</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"></th><td>0.01% APY</td></tr></tbody></table></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/first-tech-fcu-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-tech-fcu-review/">First Tech FCU review</a></p> <h2 class="wp-block-heading" id="what-to-know"><strong>What is a business savings account?</strong></h2> <p>A business savings account is a deposit account that generally earns an interest yield on your business reserve funds. While some savings accounts may limit the number of transfers and withdrawals each month, others allow unlimited free withdrawals and transfers.</p> <h2 class="wp-block-heading" id="why"><strong>Why should my business have a savings account?</strong></h2> <p>While earning interest is a primary reason for a business savings account, it’s not the only one. Kevin Miller, CEO of Travis Credit Union, notes that finances are easier to manage when you can set aside reserves for specific future use.</p> <p>“We do really well with bucketing our money,” Miller said. “For a small business owner, cash flow is the number one issue, especially if they’re paying quarterly estimated taxes. Instead of leaving it in their operating account, if they’re putting that money away a chunk at a time, they’ll get to that date, and the money will be there.”</p> <p>Miller notes that because the minimum balance to open a savings account is generally low, it makes sense for a business to have one. He believes that, especially when a company is starting out, it’s more about having access to reserve funds than earning high-interest yields.</p> <p>“The dollar threshold to open a savings account is so low, you’re not going to be harmed by opening a savings account,” Miller said. “The goal is to have some money set aside, and the objective of that money is to earn a return, but that’s not the number one priority. It’s about having money to have access to when you need to do something.”</p> <h2 class="wp-block-heading" id="pros-and-cons"><strong>Pros and cons of business savings accounts</strong></h2> <p>There are benefits and drawbacks to having a business savings account. Here are the pros and cons of these accounts:</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">You can earn interest on reserve business funds</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">It can allow you to save for large business expenses</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">It can help you set aside money for tax purposes</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Allows you to separate reserve funds from your operational funds in checking</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">The threshold to earn the best interest rates can be high</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">You may be limited to the number of transfers and withdrawals per month</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">You may find higher rate returns with money market and CD products</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Some savings accounts, especially at traditional banks, can earn very low rates</span></li></ul></div></div> <h2 class="wp-block-heading" id="how-much"><strong>How much money should my business have in a savings account?</strong></h2> <p>While some small businesses may not initially have large amounts of reserve funds to put into savings, it’s important to calculate precisely how much you should set aside for potential emergencies.</p> <p>Michael Sims, Market Executive at Georgia’s Own Credit Union, says a savings account is part of ensuring the business has surplus operating funds.</p> <p>“You need to calculate your expense run rate, or the amount of expenses you have while waiting to get paid,” Sims said. “Whatever that run rate is, you should have six to eight times that in surplus funds. It gives you time to restructure yourself if your income stream isn’t coming in like it should.”</p> <h2 class="wp-block-heading" id="alternatives"><strong>Alternatives to business savings accounts</strong></h2> <p>Once you have built up your savings account, you may find it’s time to consider other business savings products, such as money market accounts (MMAs), CDs, and even investments.</p> <p>Sims monitors his customers’ savings balances compared to the amount they should have saved for an emergency, and when they have excess funds, he has them consider other options.</p> <p>“I know what their expense burn looks like and how much they should have saved,” Sims said. “Once it’s above that balance, I tell them maybe they should consider some <a href="https://fortune.com/recommends/banking/what-is-a-cd-ladder/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-a-cd-ladder/">CD ladders</a>. We get that rolling for six months to a year. If you haven’t touched that money at that point, it might be time to invest it in the market.”</p> <p>Sims encourages his customers to run a cash forecast to determine whether it’s time to move money from a savings account to one of those other savings products.</p> <p>“It’s always a good practice to do a quarterly or semiannual cash forecast,” Sims said. “It helps lead you into how much money you can put aside and what your cash needs might be.”</p> <p>Miller also has his customers begin forecasting to determine whether their excess funds should be moved to other deposit or investment products.</p> <p>“The smaller businesses may want to use a CD,” Miller said. “As you get bigger, if they have treasury management services, they could look at the overnight market, swaps, the repo market where it sweeps in and sweeps out. Those clients require someone to really manage it for them, like a part-time CFO [chief financial officer] or a bookkeeper.” </p> <h2 class="wp-block-heading" id="our-methodology"><strong>Our methodology</strong> </h2> <p>To narrow down our top picks for the best business savings accounts, the Fortune Recommends team evaluated more than 20 accounts from a variety of traditional brick-and-mortar banks, online banks, fintechs, and credit unions. </p> <p>All the accounts on our list are available to customers in the U.S. no matter where you’re located, subject to the terms of each account. </p> <p>We ranked each business savings account in these core categories: </p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Pie Chart" id="datawrapper-chart-1BDTy" frameBorder="0" height="485" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/1BDTy/1/" style="border:none" title="Best business savings accounts: Our methodology" width="100%"></iframe></div></figure> <ul><li><strong>APY (40%): </strong>Earning interest is one of the main reasons to open a savings account versus keeping all your funds in checking.</li> <li><strong>Minimum to earn APY (15%): </strong>Many business savings accounts have tiered rates, so lower minimums for earning high APYs scored better on our list.</li> <li><strong>Monthly fees (10%): </strong>The point of a savings account is to <em>grow</em> your money, not have it stripped away by fees.</li> <li><strong>Minimum opening deposit (10%): </strong>Savings accounts should be accessible. Lower minimums to open an account earned a higher rating on our list.</li> <li><strong>Security features (10%): </strong>You shouldn’t have to worry about keeping your money safe, so banks with multiple security features did better.</li> <li><strong>Customer support (5%): </strong>We rated phone support as the most valuable but also considered email and chat options. </li> <li><strong>Mobile app rating (5%): </strong>Real-life users’ opinions matter to us; institutions with higher-rated apps were taken into account.</li> <li><strong>Physical ATM or debit card (5%): </strong>The more ways to access your money, the better.</li></ul> <h2 class="wp-block-heading" id="FAQ">Frequently asked questions</h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Is a business savings account taxed?</h3></summary><p>The IRS does require you to pay taxes on any interest earned for a business savings account. However, if you have a tax-deferred savings account, such as an individual retirement account (IRA), you won’t have to pay taxes right away.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What bank offers free business savings accounts?</h3></summary><p>Almost all banks offer either a free business savings account or one with a waivable monthly fee. All 10 financial institutions in our buyer’s guide, including Lili, Capital One, and Prime Alliance Bank, have either a free business savings account or one with a waivable monthly fee.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Is it worth having a business savings account?</h3></summary><p>It is worth having a savings account for three primary reasons. First, it allows you to separate reserve funds from operational funds, allowing you to save for future expenses. Second, you can set aside tax payments so those funds are not spent before your quarterly payments. Finally, you can save up for large capital purchases, which may keep you from taking out a loan.</p></details><div class="sc-30bdb254-0 kxagCu evergreen" data-cy="subscriptionPlea">Follow Fortune Recommends on <a href="https://www.linkedin.com/showcase/fortunerecommends/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.linkedin.com/showcase/fortunerecommends/" rel="noopener">LinkedIn,</a> <a href="https://twitter.com/fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://twitter.com/fortunerecs" rel="noopener">X</a>, and <a href="https://www.tiktok.com/@fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.tiktok.com/@fortunerecs" rel="noopener">TikTok</a>.</div></div></div></div><div class="sc-82385409-3 dKaNXQ bottom-section"><div data-cy="authors-bio-cards" class="sc-82385409-6 kSOnKx"><h4 class="sc-3358ecfd-0 fwBYux">About the contributors</h4><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/matt-sexton/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/matt-sexton/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Matt Sexton</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Matt Sexton is a personal finance expert </span><span style="font-weight:400">who specializes in business and banking coverage. Matt has more than 25 years of journalism experience, most recently as a writer and content producer for Fit Small Business. His expertise has been featured in articles on GOBankingRates, Credit Karma, IncFile, Yahoo! and MoneyGeek.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/matthew-sexton-1a9967122/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/matt-sexton/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div><p class="disclosure" data-cy="editorial-disclosure">EDITORIAL DISCLOSURE<em>: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends</em>™<em> <!-- -->editorial team. 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y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=768&q=75 768w, 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We earn a commission for purchases made from affiliate partners via some links on our site; other links are not affiliate partner links. \u003ca href='/advertiser-disclosure/'\u003eClick here\u003c/a\u003e to read the full Fortune Recommends advertiser disclosure and how we earn commissions. \u003ca href='/about-recommends/'\u003eClick here\u003c/a\u003e to read about our editorial policies and our methodologies.","shortText":"Fortune Recommends™ is editorially independent. We may earn affiliate revenue from links in this content."},"progressBar":true,"templateType":"landing_page"},"mostPopular":[{"authors":[{"name":"Katherine Haan","uri":"/author/katherine-haan","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/katherine-haan/"}],"contentType":null,"date":"2023-01-16T16:06:00","dateFormatted":"January 16, 2023","dateGMT":"2023-01-16T16:06:00","dateGMTFormatted":"January 16, 2023","dateUpdated":"2024-11-26T16:02:37","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T21:02:37","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"A cash advance app can provide a quick cash injection. Here's what you need to know about fees, repayment terms, and more.","eyebrowSectionLabel":"Banking","eyebrowSectionLink":"/section/banking","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg"},"title":"10 cash advance apps that can help when you need money fast","titleLink":"https://fortune.com/recommends/banking/cash-advance-apps/?itm_source=parsely-api"},{"authors":[{"name":"Trina Paul","uri":"/author/trina-paul","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/trina-paul/"}],"contentType":null,"date":"2023-03-17T18:42:07","dateFormatted":"March 17, 2023","dateGMT":"2024-05-10T15:24:36","dateGMTFormatted":"May 10, 2024","dateUpdated":"2024-11-26T08:32:04","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T13:32:04","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"The best CD rates are still near 5%, but falling quickly. Lock in a strong rate of return with these top options.","eyebrowSectionLabel":"Banking","eyebrowSectionLink":"/section/banking","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg"},"title":"The 10 best CD rates for April 2024: earn over 5%","titleLink":"https://fortune.com/recommends/banking/the-best-cd-rates/?itm_source=parsely-api"},{"authors":[{"name":"Abigail Rueger","uri":"/author/abigail-rueger","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/abigail-rueger/"}],"contentType":null,"date":"2024-04-26T12:53:55","dateFormatted":"April 26, 2024","dateGMT":"2024-04-26T12:53:55","dateGMTFormatted":"April 26, 2024","dateUpdated":"2024-11-26T08:32:40","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T13:32:40","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"The Fortune Recommends top picks for the best high-yield savings accounts offers customers the chance to earn over 5% APY. ","eyebrowSectionLabel":"Banking","eyebrowSectionLink":"/section/banking","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg"},"title":"Best high-yield savings account rates: Updated daily","titleLink":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/?itm_source=parsely-api"}],"subdomain":"recommends","footer":{"footerDisclaimer":"\u003cp\u003e© 2024 Fortune Media IP Limited. All Rights Reserved. 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Inclusion","url":"https://fortune.com/workplace/diversity-inclusion"},{"__typename":"MenuItem","label":"Terms and Conditions","url":"/terms-of-use/"},{"__typename":"MenuItem","label":"Site Map","url":"/sitemap/"}],"name":"Footer About 1"}],"socialList":[{"type":"facebook","url":"https://www.facebook.com/FortuneMagazine/"},{"type":"twitter","url":"https://twitter.com/FortuneMagazine/"},{"type":"linkedin","url":"https://www.linkedin.com/company/fortune-magazine/"},{"type":"instagram","url":"https://www.instagram.com/fortunemag/"},{"type":"pinterest","url":"https://www.pinterest.com/fortunemagazine/"}]},"article":{"adTags":[{"adtagname":"cat_Business","description":null,"slug":"cat-business"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Check out our picks for the 10 best business savings accounts, which contain banks and fintechs offering high interest yields.","authorNames":["Matt Sexton"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=150","name":"Matt Sexton","sameAs":"","type":"Person","uri":"/author/matt-sexton/","url":"https://fortune.com/author/matt-sexton/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/matthew-sexton-1a9967122/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eMatt Sexton is a personal finance expert \u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003ewho specializes in business and banking coverage. Matt has more than 25 years of journalism experience, most recently as a writer and content producer for Fit Small Business. His expertise has been featured in articles on GOBankingRates, Credit Karma, IncFile, Yahoo! and MoneyGeek.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"THE 10 BEST BUSINESS SAVINGS ACCOUNTS NOVEMBER 2024: A GUIDE TO THE BEST SAVINGS ACCOUNTS FOR YOUR SMALL BUSINESS","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eSmall businesses looking to make passive revenue on reserve funds should consider opening a business savings account. The best business \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003esavings accounts\u003c/a\u003e should earn a strong interest yield while also allowing you the liquidity to access your funds in an emergency. We have chosen the 10 best business savings accounts for your small business.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eCheck out our \u003ca href=\"#our-methodology\"\u003emethodology\u003c/a\u003e to see how we chose these providers.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cem\u003eWhy trust Fortune Recommends™\u003c/em\u003e\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cem\u003eMore than 20 financial institutions compared\u003c/em\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cem\u003eOver 360 data points tracked\u003c/em\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cem\u003e4 layers of fact-checking\u003c/em\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cem\u003eGuided by over 25 years of banking experience\u003c/em\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe 10 best business savings accounts for November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003e\u003cstrong\u003eSavings account\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eTop annual percentage yield (APY)\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eBest for\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eLearn more\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eLili Business Banking Account\u003c/td\u003e\u003ctd\u003e3.65%\u003c/td\u003e\u003ctd\u003eAll-in-one bank account\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One Business Savings Account\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003eShort-term promotional interest rate\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePrime Alliance Bank Business Savings Account\u003c/td\u003e\u003ctd\u003e3.85%\u003c/td\u003e\u003ctd\u003eTiered interest earnings\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAxos Business Premium Savings\u003c/td\u003e\u003ctd\u003e4.01%\u003c/td\u003e\u003ctd\u003eTiered account opening bonus\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eForbright Bank Bright Business Savings\u003c/td\u003e\u003ctd\u003e3.35%\u003c/td\u003e\u003ctd\u003eHigh balance interest earning\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLive Oak Bank Business Savings Account\u003c/td\u003e\u003ctd\u003e3.80%\u003c/td\u003e\u003ctd\u003eHighest account opening bonus\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst Internet Bank Regular Savings Account\u003c/td\u003e\u003ctd\u003e0.91%\u003c/td\u003e\u003ctd\u003eSole proprietors\u003c/td\u003e\u003ctd\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-internet-bank-review/\"\u003eFirst Internet Bank review\u003c/a\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eHope Credit Union Business Savings Account\u003c/td\u003e\u003ctd\u003e0.25%\u003c/td\u003e\u003ctd\u003eBusinesses that want to give back\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eRelay Automated Savings Account\u003c/td\u003e\u003ctd\u003e3.00%\u003c/td\u003e\u003ctd\u003eAutomated business savings\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst Tech FCU Simple Business Savings\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003eBusinesses that want a credit union\u003c/td\u003e\u003ctd\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-tech-fcu-review/\"\u003eFirst Tech FCU review\u003c/a\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-10\"\u003e\u003cstrong\u003eOur picks for the top 10 business savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen rounding up the best business savings accounts, we chose providers offering high interest rates, limited fees, excellent customer service, and easy online and mobile app access.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMinimum deposit requirements, fees, and other terms and conditions are accurate as of November 22, 2024, and are subject to change.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Lili\"\u003e\u003cstrong\u003e1. Lili: Best all-in-one bank account\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eLili offers all-in-one banking, accounting, and tax preparation software for small businesses. To earn 3.65% APY on Lili’s savings account on balances up to and including $100,000, you must sign up for one of the provider’s paid plans, which starts at $9 a month.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eLili\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.65% (only available in paid tiers)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0 for Basic; $9 for Lili Pro to earn interest\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png\" alt=\"The Lili Logo.\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eCash deposits; $4.95 per deposit through Green Dot retail locations.\u003c/div\u003e\r\n\r\n\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\r\n\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eLili is an excellent option for businesses looking to consolidate online banking, accounting, and tax preparation software into one platform. You can get started with Lili for free with no monthly balance or minimum deposit requirement. However, the company\u0026#8217;s best features are in one of the three paid tiers.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe interest yield is solid, with the paid tiers offering 3.65% APY on balances up to and including $100,000. Lili could be a great choice for small businesses looking to earn a decent yield off of smaller reserve balances.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eTo earn interest, you will need to sign up for a paid plan. The plans start with Lili Pro at $9 and increase to $33 monthly for Lili Premium. Those rates are promotional, so they will increase to $15 a month for Pro and $55 a month for Premium after three months.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlso, many of the best accounting and tax preparation features are locked in one of the paid tiers. However, if you can consolidate all of your accounting and tax prep into the Lili app, you may save monthly over having multiple software subscriptions.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Lili\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness checking\u003c/td\u003e\u003ctd\u003e0%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/lili-review/\"\u003eLili review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Capital-One\"\u003e\u003cstrong\u003e2. Capital One Business Savings Account: Best for short-term promotion interest rate\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you are looking for a traditional bank with a solid introductory business savings rate, Capital One is a solid choice. It offers 4.00% APY for the first three months before settling at its standard variable rate.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eCapital One Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e4.00% APY ($10,000 to $10 million)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$3; waivable with $300 collected balance range\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=300\" alt=\"\" width=\"300\" height=\"145\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eCash deposits are free for the first $10,000 a month, then $1 per $1,000 deposited; $2 per withdrawal at ATMs outside of Capital One, MoneyPass, and Allpoint ATM networks.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eCapital One is a great option for businesses looking to earn a solid yield for a new account and a consistent long-term yield. The long-term rate is likely low. However, for 92 days after opening the account, you will earn 4.00% APY on balances between $10,000 and $10 million.\u003c/p\u003e\n\n\n\n\u003cp\u003eIt is also a solid choice for people who would rather keep their business banking with a traditional bank instead of an online bank or financial technology (fintech) company. Capital One offers a wide range of business and personal banking products and services.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe caveat with opening a Capital One business savings account is that the rate will drop to the standard variable rate after three months. With interest rates likely dropping nationwide in the coming months, this rate may be very low. You may consider moving your funds to an account with a higher yield once the introductory rate period ends.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlso, you are limited to just six free withdrawals per monthly statement cycle. If you need to access your savings funds more often than that, you may want to consider an alternative or an interest-bearing \u003ca href=\"https://fortune.com/recommends/banking/best-business-checking-accounts/\"\u003ebusiness checking account\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Capital One\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness checking\u003c/td\u003e\u003ctd\u003e0%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness certificates of deposit (CDs)\u003c/td\u003e\u003ctd\u003eRates not disclosed; you must visit a branch for more information\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/capital-one-360-review/\"\u003eCapital One review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Prime\"\u003e\u003cstrong\u003e3. Prime Alliance Bank Business Savings Account: Best for tiered interest earnings\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003ePrime Alliance Bank and its business savings account is an ideal option for companies looking to increase interest yield as balances increase. Prime Alliance Bank operates as an online bank for most customers, although it has one physical location in Woods Cross, Utah. Rates range from 3.85% APY to 3.85% APY.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003ePrime Alliance Bank Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.85% ($200,000 or more)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e \u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e$10 per transfer/withdrawal if you exceed the limit of six per month; if you exceed this limit three times in a rolling 12 months, the account will be changed to a demand deposit account.\u003c/div\u003e\r\n\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe bank rewards you with higher interest earnings as your savings balance increases. You will earn 3.85% APY on balances between $1 and $99,999.99. For balances between $100,000 and $199,999.99, you will earn 4.05% APY. The highest APY tier is for balances over $200,000, earning you 3.85% APY.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike Capital One, Prime Alliance Bank is a traditional bank. This will appeal to some businesses that do not want to use a fintech for their business banking. While most customers will use it as an online bank, customer service is handled by the branch location.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThere is a limit to six transfers and withdrawals per month, with each excess transaction costing $10. If you exceed the limit three times in a rolling 12-month period, the account is converted to a demand deposit account, and you will earn significantly less interest.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo open a business savings account, you must email the bank; it cannot be opened directly on the website. Some personal accounts can be opened online, but most accounts offered by Prime Alliance Bank require an email.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Prime Alliance Bank\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness interest checking\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness money market account\u003c/td\u003e\u003ctd\u003e4.25% APY ($200,000 or more)\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness CDs\u003c/td\u003e\u003ctd\u003e4.90% APY (6 months)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/prime-alliance-bank-review/\"\u003ePrime Alliance Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Axos\"\u003e\u003cstrong\u003e4. Axos Bank Business Premium Savings Account: Best for tiered account opening bonus\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eBusinesses that want to earn solid interest yield with the potential of earning a new account bonus of up to $375 should consider Axos Bank and its premium business savings. All balances up to $5 million earn 4.01% APY.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"axos\" class=\"card-title\"\u003eAxos Bank Business Premium Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e4.01%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings\u0026amp;tag.sub_id=4061517\"target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nItem processing fee of 30 cents for each item over 20 per month.\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e \u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eIf you want to earn up to $375 in a cash back bonus for opening a new account, Axos could be a great option. The bonus is earned by keeping a specific average daily balance for three months out of a four-month period. You earn $75 per cycle with an average daily balance between $30,000 and $74,999.99 and $125 per cycle for a balance over $75,000.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe account also offers a very solid interest rate. While the website lists balance tiers for interest earning, all tiers below $5 million earn 4.01% APY. This rate is subject to change, so be sure to check the latest rates before opening an account.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eAxos offers a lot of other perks in addition to a new account sign-up bonus and a high interest rate. You get free incoming wires with Axos Bank and QuickBooks integration. As with some of the other banks on this list, Axos offers extended Federal Deposit Insurance Corp. (FDIC) insurance through insured cash sweeps (ICS) through IntraFi Network Deposits. This coverage can be extended up to $250 million.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition, while Axos Bank doesn’t offer branch locations, it is another FDIC-insured bank and not a fintech. So, businesses comfortable with online banking and the security of a traditional bank can find one here.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Axos\u003c/summary\u003e\n\u003cp\u003e\u003cbr\u003e\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBasic business checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness interest checking\u003c/td\u003e\u003ctd\u003e1.01% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness money market\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness savings\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eNonprofit money market\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness CDs\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/axos-bank-review/\"\u003eAxos Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Forbright\"\u003e\u003cstrong\u003e5. Forbright Bank Bright Business Savings: Best for high balance interest earning\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eForbright Bank is another traditional financial institution that operates mainly as an online bank outside of three locations in Virginia and Maryland. It offers a strong interest yield of up to 3.35% APY, with that rate available with a balance of $250,000 or more.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eForbright Bank Bright Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$250\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.35% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e1 cent\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone outside of standard wire fees; out-of-network ATM fees reversed within one business day.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWe chose this bank because it offers a solid interest yield with a 1-cent balance required to earn interest. Balances below $250,000 will earn 3.35% APY, and balances of $250,000 and above will earn 3.35% APY, among the top rates on this list.\u003c/p\u003e\n\n\n\n\u003cp\u003eForbright also reverses any out-of-network ATM fees within one business day. There is no monthly maintenance fee for the account, and the minimum opening deposit is only $250. The only other potential fees you might run into are standard fees like wire transfers, overdraft fees, and more.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThis account requires a $500 opening deposit, which is higher than many competitors on this list. It is also primarily an online-only bank with only three physical locations in Maryland and Virginia.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition, if you are considering opening personal accounts with Forbright, you may need to visit a branch location. The only personal accounts that can be opened online are a high-yield savings account and a CD.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Forbright Bank\u003c/summary\u003e\n\u003cp\u003e\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial NOW\u003c/td\u003e\u003ctd\u003e0.10% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial money market\u003c/td\u003e\u003ctd\u003e3.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial platinum money market\u003c/td\u003e\u003ctd\u003e4.25% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial statement savings\u003c/td\u003e\u003ctd\u003e3.00% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eInterest on Lawyers\u0026#8217; Trust Accounts (IOLTA)\u003c/td\u003e\u003ctd\u003e4.25% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMaryland Affordable Housing Trust (MAHT)\u003c/td\u003e\u003ctd\u003e0.10% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Live-Oak\"\u003e\u003cstrong\u003e6. Live Oak Bank Business Savings Account: Best for highest account opening bonus\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eLive Oak Bank offers an excellent business savings account that earns 3.80% APY. In addition, you can earn a $400 cash back bonus by opening a new account and meeting certain balance requirements.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eLive Oak Bank Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.80% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e1 cent\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png\" alt=\"The Live Oak Bank Logo.\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e$10 dormancy fee if balance is less than $10.01 and there is no activity for 24 consecutive months.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eLive Oak is another traditional bank operating as an online-only financial institution. It has an interest rate that is competitive with other providers on this list. You can earn 3.80% APY on all balances above a penny. You can also earn a $400 cash back bonus by opening a new account, depositing at least $30,000 into it, and maintaining that balance for 90 days.\u003c/p\u003e\n\n\n\n\u003cp\u003eThis account has no monthly fees or minimum opening deposit requirements. The bank extends your FDIC Insurance through IntraFi Network to up to $10 million. Also, it offers several ways to\u003c/p\u003e\n\n\n\n\u003cp\u003efund your account, including automated clearing house (ACH) and wire transfers, mobile check deposits, and mailing a check directly to the bank.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eUnlike other options on this list, you cannot deposit cash into a Live Oak Bank account. The cash back bonus is a limited-time offer, so check with Live Oak to ensure it is still active before opening an account.\u003c/p\u003e\n\n\n\n\u003cp\u003eLive Oak Bank is another FDIC-insured bank without branch locations. However, the lack of branches allows Live Oak to offer higher interest rates than brick-and-mortar banks. Be sure to regularly perform transactions or keep the balance higher than $10.01 in the account. Accounts with a lower balance than $10.01 and no transactions for 24 consecutive months are subject to a dormancy fee.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Live Oak Bank\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Essential\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Plus\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Plus Analysis\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e4.30% APY (12 months)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/live-oak-bank-review/\"\u003eLive Oak Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"First-Internet\"\u003e\u003cstrong\u003e7. First Internet Bank Regular Savings Account: Best for sole proprietors\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you are a sole proprietor, First Internet Bank’s business savings account could be a great option. It doesn’t have the highest interest earnings, with an APY of 0.91%, but it has an easily waivable monthly fee. The bank also offers a high-yield money market that may be worth upgrading to as your balance grows.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"first-internet-bank\" class=\"card-title\"\u003eFirst Internet Bank Regular Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e0.91% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$2, waived with an average daily balance of $1,000 or greater\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png\" alt=\"The First Internet Bank Logo.\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone outside of traditional bank fees, including wire fees, stop payment, and other banking services.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eFirst Internet Bank is another traditional bank operating primarily online. While many business types can open a savings account, only a sole proprietor can get an ATM card with a savings account. While it has a lower interest yield than other online-only banks, the 0.91% APY beats many traditional banks.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition, you have the option of upgrading to the bank’s money market account, which has an APY of 3.46% on balances below $5 million and 4.95% APY on balances above that threshold. Otherwise, the savings account is a solid choice with a $2 monthly fee that is waivable with an average daily balance of $1,000 or greater.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eIf you aren’t interested in upgrading to the higher-rate money market account, you should probably consider one of the many savings accounts on this list with a higher APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can fund your account via wire or ACH, or you can mail checks to the bank directly. You cannot mail cash to the bank to be deposited into your account. The bank does not charge for ATM transactions, but you may pay third-party ATM fees.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from First Internet Bank\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDo More Business Checking\u003c/td\u003e\u003ctd\u003e0.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMoney Market Savings\u003c/td\u003e\u003ctd\u003e4.95% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e4.42% APY (12 months)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-internet-bank-review/\"\u003eFirst Internet Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Hope\"\u003e\u003cstrong\u003e8. Hope Credit Union Business Savings Account: Best for businesses that want to give back\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHope Credit Union could be a good option for businesses who want to use a credit union for their business savings account. It costs $10 to join, and $5 goes to Hope Enterprise Corporation, a nonprofit that provides financial services and advocacy for under-resourced Deep South communities.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"cloudbank\" class=\"card-title\"\u003eHope Credit Union Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$15\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e0.25% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eExcess withdrawal fee may apply if you exceed four in a month.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile the interest yield on this account is lower than that of other providers on this list, joining Hope Credit Union is more than about earning interest yield. Hope Enterprise Corporation has helped millions of people in Alabama, Arkansas, Louisiana, Mississippi, and Tennessee directly, as well as others in underresourced communities nationwide.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you join Hope Credit Union to open an account, $5 of the $10 fee goes to helping people in those states overcome difficult financial conditions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou must maintain a $15 minimum balance, and a balance of $100 is required to earn interest. Hope CU limits you to four free withdrawals per month. Excess withdrawals may incur a fee.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe savings account has no monthly fee. To open an account, you must visit a branch or call the bank. You can also fill out a contact form on the website.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Hope FCU\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Choice Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking Plus\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/hope-credit-union-review/\"\u003eHope Credit Union review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Relay\"\u003e\u003cstrong\u003e9. Relay Automated Savings Account: Best for automated business savings\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you want a business savings account that can be automated to deduct funds from your checking account and move it to savings, Relay could be a great option. A fintech backed by Thread Bank, Relay allows you to earn up to 3.00% APY in a tiered earnings structure.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"relay\" class=\"card-title\"\u003eRelay Automated Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.00% APY ($1 million or more)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eRelay offers a great automated savings feature that can help you put money aside for future business expenses. Balances between $1 and $50,000 earn 1.00% APY. As your balance increases between $50,000 and $250,000, the APY increases to 1.50%. It increases to 2.00% APY between $250,000 and $1 million, then maxes out at 3.00% APY for balances above $1 million.\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can open up to two savings accounts with Relay. In addition, Relay works closely with the Profit First method, allowing you to save for future profit and tax reserves. The auto transfer feature can make the two monthly allocations automatically.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eRelay is a fintech and not a bank. It is backed by Thread Bank, which offers extended FDIC insurance up to $3 million. If you also use Relay for your checking, you can open up to 20 individual checking accounts and assign up to 50 physical or virtual debit cards, allowing you to have spending controls among a large team.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe company does not charge monthly or overdraft fees. It also doesn’t have minimum balance requirements. If you need additional features, including auto-importing bills from QuickBooks or Xero, approval rules for bill payments, or faster ACH payments, you can upgrade to Relay Pro for $30 per month. But unlike other fintechs, Relay doesn’t lock all its best features behind the paywall.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Relay\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/relay-review/\"\u003eRelay review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"First-Tech\"\u003e\u003cstrong\u003e10. First Tech FCU Simple Business Savings: Best for businesses wanting a credit union\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eWhile First Tech FCU offers the lowest interest rate of any business savings account on this list, it can still be a good choice for companies who want the benefits of credit union membership. These include lower loan rates, business insurance products, and other benefits.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eFirst Tech FCU Simple Business Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$25\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e0.01% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eIf you choose the First Tech FCU savings account, it is because you already belong to the credit union or are interested in joining. The account only earns 0.01% APY, the lowest APY on our list. It is a free account with no monthly fees.\u003c/p\u003e\n\n\n\n\u003cp\u003eIt could be a good option for those who want the full benefits of being a member of First Tech FCU. The credit union offers several deposit accounts, business loan products, business insurance services, and dozens of personal banking products and services.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eTo open this account, you will need to join the credit union. To become a member, you must work for one of the credit union’s partner companies, be a family member of a current member, work in the state of Oregon, live or work in Lane County, Oregon, belong to the Computer History Museum, or belong to the Financial Fitness Association.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you don’t meet any of those criteria, you may still be able to join by contacting the credit union directly. While the business savings account has a very low interest rate, the credit union offers a solid personal savings option that earns up to 4.00% APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from First Tech FCU\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Membership Savings\u003c/td\u003e\u003ctd\u003e0.01% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-tech-fcu-review/\"\u003eFirst Tech FCU review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what-to-know\"\u003e\u003cstrong\u003eWhat is a business savings account?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eA business savings account is a deposit account that generally earns an interest yield on your business reserve funds. While some savings accounts may limit the number of transfers and withdrawals each month, others allow unlimited free withdrawals and transfers.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"why\"\u003e\u003cstrong\u003eWhy should my business have a savings account?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile earning interest is a primary reason for a business savings account, it’s not the only one. Kevin Miller, CEO of Travis Credit Union, notes that finances are easier to manage when you can set aside reserves for specific future use.\u003c/p\u003e\n\n\n\n\u003cp\u003e“We do really well with bucketing our money,” Miller said. “For a small business owner, cash flow is the number one issue, especially if they’re paying quarterly estimated taxes. Instead of leaving it in their operating account, if they’re putting that money away a chunk at a time, they’ll get to that date, and the money will be there.”\u003c/p\u003e\n\n\n\n\u003cp\u003eMiller notes that because the minimum balance to open a savings account is generally low, it makes sense for a business to have one. He believes that, especially when a company is starting out, it’s more about having access to reserve funds than earning high-interest yields.\u003c/p\u003e\n\n\n\n\u003cp\u003e“The dollar threshold to open a savings account is so low, you’re not going to be harmed by opening a savings account,” Miller said. “The goal is to have some money set aside, and the objective of that money is to earn a return, but that’s not the number one priority. It’s about having money to have access to when you need to do something.”\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003e\u003cstrong\u003ePros and cons of business savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are benefits and drawbacks to having a business savings account. Here are the pros and cons of these accounts:\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can earn interest on reserve business funds\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIt can allow you to save for large business expenses\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIt can help you set aside money for tax purposes\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eAllows you to separate reserve funds from your operational funds in checking\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe threshold to earn the best interest rates can be high\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou may be limited to the number of transfers and withdrawals per month\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou may find higher rate returns with money market and CD products\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome savings accounts, especially at traditional banks, can earn very low rates\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-much\"\u003e\u003cstrong\u003eHow much money should my business have in a savings account?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile some small businesses may not initially have large amounts of reserve funds to put into savings, it’s important to calculate precisely how much you should set aside for potential emergencies.\u003c/p\u003e\n\n\n\n\u003cp\u003eMichael Sims, Market Executive at Georgia’s Own Credit Union, says a savings account is part of ensuring the business has surplus operating funds.\u003c/p\u003e\n\n\n\n\u003cp\u003e“You need to calculate your expense run rate, or the amount of expenses you have while waiting to get paid,” Sims said. “Whatever that run rate is, you should have six to eight times that in surplus funds. It gives you time to restructure yourself if your income stream isn’t coming in like it should.”\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003e\u003cstrong\u003eAlternatives to business savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eOnce you have built up your savings account, you may find it’s time to consider other business savings products, such as money market accounts (MMAs), CDs, and even investments.\u003c/p\u003e\n\n\n\n\u003cp\u003eSims monitors his customers’ savings balances compared to the amount they should have saved for an emergency, and when they have excess funds, he has them consider other options.\u003c/p\u003e\n\n\n\n\u003cp\u003e“I know what their expense burn looks like and how much they should have saved,” Sims said. “Once it’s above that balance, I tell them maybe they should consider some \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\"\u003eCD ladders\u003c/a\u003e. We get that rolling for six months to a year. If you haven’t touched that money at that point, it might be time to invest it in the market.”\u003c/p\u003e\n\n\n\n\u003cp\u003eSims encourages his customers to run a cash forecast to determine whether it’s time to move money from a savings account to one of those other savings products.\u003c/p\u003e\n\n\n\n\u003cp\u003e“It’s always a good practice to do a quarterly or semiannual cash forecast,” Sims said. “It helps lead you into how much money you can put aside and what your cash needs might be.”\u003c/p\u003e\n\n\n\n\u003cp\u003eMiller also has his customers begin forecasting to determine whether their excess funds should be moved to other deposit or investment products.\u003c/p\u003e\n\n\n\n\u003cp\u003e“The smaller businesses may want to use a CD,” Miller said. “As you get bigger, if they have treasury management services, they could look at the overnight market, swaps, the repo market where it sweeps in and sweeps out. Those clients require someone to really manage it for them, like a part-time CFO [chief financial officer] or a bookkeeper.”\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"our-methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo narrow down our top picks for the best business savings accounts, the Fortune Recommends team evaluated more than 20 accounts from a variety of traditional brick-and-mortar banks, online banks, fintechs, and credit unions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll the accounts on our list are available to customers in the U.S. no matter where you’re located, subject to the terms of each account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWe ranked each business savings account in these core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best business savings accounts: Our methodology\" aria-label=\"Pie Chart\" id=\"datawrapper-chart-1BDTy\" src=\"https://datawrapper.dwcdn.net/1BDTy/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"485\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAPY (40%): \u003c/strong\u003eEarning interest is one of the main reasons to open a savings account versus keeping all your funds in checking.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum to earn APY (15%): \u003c/strong\u003eMany business savings accounts have tiered rates, so lower minimums for earning high APYs scored better on our list.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly fees (10%): \u003c/strong\u003eThe point of a savings account is to \u003cem\u003egrow\u003c/em\u003e your money, not have it stripped away by fees.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum opening deposit (10%): \u003c/strong\u003eSavings accounts should be accessible. Lower minimums to open an account earned a higher rating on our list.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSecurity features (10%): \u003c/strong\u003eYou shouldn’t have to worry about keeping your money safe, so banks with multiple security features did better.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer support (5%): \u003c/strong\u003eWe rated phone support as the most valuable but also considered email and chat options.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (5%): \u003c/strong\u003eReal-life users’ opinions matter to us; institutions with higher-rated apps were taken into account.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePhysical ATM or debit card (5%): \u003c/strong\u003eThe more ways to access your money, the better.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQ\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs a business savings account taxed?\u003c/summary\u003e\n\u003cp\u003eThe IRS does require you to pay taxes on any interest earned for a business savings account. However, if you have a tax-deferred savings account, such as an individual retirement account (IRA), you won’t have to pay taxes right away.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat bank offers free business savings accounts?\u003c/summary\u003e\n\u003cp\u003eAlmost all banks offer either a free business savings account or one with a waivable monthly fee. All 10 financial institutions in our buyer’s guide, including Lili, Capital One, and Prime Alliance Bank, have either a free business savings account or one with a waivable monthly fee.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs it worth having a business savings account?\u003c/summary\u003e\n\u003cp\u003eIt is worth having a savings account for three primary reasons. First, it allows you to separate reserve funds from operational funds, allowing you to save for future expenses. Second, you can set aside tax payments so those funds are not spent before your quarterly payments. Finally, you can save up for large capital purchases, which may keep you from taking out a loan.\u003c/p\u003e\n\u003c/details\u003e\u003c/div\u003e","databaseId":4061517,"dateGmt":"2024-11-07T14:29:49","dek":"","description":"Check out our picks for the 10 best business savings accounts, which contain banks and fintechs offering high interest yields.","faq":[{"answer":"The IRS does require you to pay taxes on any interest earned for a business savings account. However, if you have a tax-deferred savings account, such as an individual retirement account (IRA), you won’t have to pay taxes right away.","question":"Is a business savings account taxed?","__typename":"FaqField"},{"answer":"Almost all banks offer either a free business savings account or one with a waivable monthly fee. All 10 financial institutions in our buyer’s guide, including Lili, Capital One, and Prime Alliance Bank, have either a free business savings account or one with a waivable monthly fee.","question":"What bank offers free business savings accounts?","__typename":"FaqField"},{"answer":"It is worth having a savings account for three primary reasons. First, it allows you to separate reserve funds from operational funds, allowing you to save for future expenses. Second, you can set aside tax payments so those funds are not spent before your quarterly payments. Finally, you can save up for large capital purchases, which may keep you from taking out a loan.","question":"Is it worth having a business savings account?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#top-10\"\u003eThe 10 best online checking accounts\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#Lili\"\u003eLili\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Capital-One\"\u003eCapital One\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Prime\"\u003ePrime Alliance Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Axos\"\u003eAxos Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Forbright\"\u003eForbright Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Live-Oak\"\u003eLive Oak Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#First-Internet\"\u003eFirst Internet Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Hope\"\u003eHope Credit Union\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#Relay\"\u003eRelay\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#First-Tech\"\u003eFirst Tech FCU\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#what-to-know\"\u003eWhat is a business savings account?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#why\"\u003eWhy should my business have a savings account?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros and cons of business savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-much\"\u003eHow much to save\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eAlternatives to business savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#our-methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#FAQ\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDo0MDYxNTE3","image":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_Best-Business-Savings-account-e1730491585188.jpg?resize=1200,600","imageCaption":"","imageCredit":"Getty Images","keywords":"","link":"https://fortune.com/recommends/banking/best-business-savings-accounts/","metaTitle":"The 10 best business savings accounts November 2024: A guide to the best savings accounts for your small business","modifiedGmt":"2024-11-22T20:41:52","pageType":"evergreen","platformCD":"recommends","postId":4061517,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Businesswoman closing a deal with clients.","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_Best-Business-Savings-account-e1730491585188.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"savings","primaryTagId":24167,"link":"https://fortune.com/tag/savings/","uri":"/tag/savings/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","role":"Deputy Editor, Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/abigail-rueger/"},"sectionNames":["Banking"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"The best business savings accounts should offer high interest yields and limited fees. Click to see our list.","socialTitle":"Check out the best business savings accounts in this guide","stickyCta":null,"tagNames":["no copyright","Rankings and Roundups","savings"],"tags":[{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"savings","tagId":24167,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_Best-Business-Savings-account-e1730491585188.jpg","title":"The 10 best business savings accounts for November 2024","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/best-business-savings-accounts/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Business","description":null,"slug":"cat-business"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Check out our picks for the 10 best business savings accounts, which contain banks and fintechs offering high interest yields.","authorNames":["Matt Sexton"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/05/matt-sexton-headshot.jpeg?w=150","name":"Matt Sexton","sameAs":"","type":"Person","uri":"/author/matt-sexton/","url":"https://fortune.com/author/matt-sexton/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/matthew-sexton-1a9967122/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eMatt Sexton is a personal finance expert \u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003ewho specializes in business and banking coverage. Matt has more than 25 years of journalism experience, most recently as a writer and content producer for Fit Small Business. His expertise has been featured in articles on GOBankingRates, Credit Karma, IncFile, Yahoo! and MoneyGeek.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"THE 10 BEST BUSINESS SAVINGS ACCOUNTS NOVEMBER 2024: A GUIDE TO THE BEST SAVINGS ACCOUNTS FOR YOUR SMALL BUSINESS","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eSmall businesses looking to make passive revenue on reserve funds should consider opening a business savings account. The best business \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003esavings accounts\u003c/a\u003e should earn a strong interest yield while also allowing you the liquidity to access your funds in an emergency. We have chosen the 10 best business savings accounts for your small business.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eCheck out our \u003ca href=\"#our-methodology\"\u003emethodology\u003c/a\u003e to see how we chose these providers.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cem\u003eWhy trust Fortune Recommends™\u003c/em\u003e\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cem\u003eMore than 20 financial institutions compared\u003c/em\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cem\u003eOver 360 data points tracked\u003c/em\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cem\u003e4 layers of fact-checking\u003c/em\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cem\u003eGuided by over 25 years of banking experience\u003c/em\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe 10 best business savings accounts for November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003e\u003cstrong\u003eSavings account\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eTop annual percentage yield (APY)\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eBest for\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eLearn more\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eLili Business Banking Account\u003c/td\u003e\u003ctd\u003e3.65%\u003c/td\u003e\u003ctd\u003eAll-in-one bank account\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One Business Savings Account\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003eShort-term promotional interest rate\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePrime Alliance Bank Business Savings Account\u003c/td\u003e\u003ctd\u003e3.85%\u003c/td\u003e\u003ctd\u003eTiered interest earnings\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAxos Business Premium Savings\u003c/td\u003e\u003ctd\u003e4.01%\u003c/td\u003e\u003ctd\u003eTiered account opening bonus\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eForbright Bank Bright Business Savings\u003c/td\u003e\u003ctd\u003e3.35%\u003c/td\u003e\u003ctd\u003eHigh balance interest earning\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLive Oak Bank Business Savings Account\u003c/td\u003e\u003ctd\u003e3.80%\u003c/td\u003e\u003ctd\u003eHighest account opening bonus\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst Internet Bank Regular Savings Account\u003c/td\u003e\u003ctd\u003e0.91%\u003c/td\u003e\u003ctd\u003eSole proprietors\u003c/td\u003e\u003ctd\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-internet-bank-review/\"\u003eFirst Internet Bank review\u003c/a\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eHope Credit Union Business Savings Account\u003c/td\u003e\u003ctd\u003e0.25%\u003c/td\u003e\u003ctd\u003eBusinesses that want to give back\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eRelay Automated Savings Account\u003c/td\u003e\u003ctd\u003e3.00%\u003c/td\u003e\u003ctd\u003eAutomated business savings\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings\u0026amp;tag.sub_id=4061517\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst Tech FCU Simple Business Savings\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003eBusinesses that want a credit union\u003c/td\u003e\u003ctd\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-tech-fcu-review/\"\u003eFirst Tech FCU review\u003c/a\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-10\"\u003e\u003cstrong\u003eOur picks for the top 10 business savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen rounding up the best business savings accounts, we chose providers offering high interest rates, limited fees, excellent customer service, and easy online and mobile app access.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMinimum deposit requirements, fees, and other terms and conditions are accurate as of November 22, 2024, and are subject to change.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Lili\"\u003e\u003cstrong\u003e1. Lili: Best all-in-one bank account\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eLili offers all-in-one banking, accounting, and tax preparation software for small businesses. To earn 3.65% APY on Lili’s savings account on balances up to and including $100,000, you must sign up for one of the provider’s paid plans, which starts at $9 a month.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eLili\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.65% (only available in paid tiers)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0 for Basic; $9 for Lili Pro to earn interest\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Lili-logo.png\" alt=\"The Lili Logo.\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eCash deposits; $4.95 per deposit through Green Dot retail locations.\u003c/div\u003e\r\n\r\n\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=lili-business-banking\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\r\n\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eLili is an excellent option for businesses looking to consolidate online banking, accounting, and tax preparation software into one platform. You can get started with Lili for free with no monthly balance or minimum deposit requirement. However, the company\u0026#8217;s best features are in one of the three paid tiers.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe interest yield is solid, with the paid tiers offering 3.65% APY on balances up to and including $100,000. Lili could be a great choice for small businesses looking to earn a decent yield off of smaller reserve balances.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eTo earn interest, you will need to sign up for a paid plan. The plans start with Lili Pro at $9 and increase to $33 monthly for Lili Premium. Those rates are promotional, so they will increase to $15 a month for Pro and $55 a month for Premium after three months.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlso, many of the best accounting and tax preparation features are locked in one of the paid tiers. However, if you can consolidate all of your accounting and tax prep into the Lili app, you may save monthly over having multiple software subscriptions.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Lili\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness checking\u003c/td\u003e\u003ctd\u003e0%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/lili-review/\"\u003eLili review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Capital-One\"\u003e\u003cstrong\u003e2. Capital One Business Savings Account: Best for short-term promotion interest rate\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you are looking for a traditional bank with a solid introductory business savings rate, Capital One is a solid choice. It offers 4.00% APY for the first three months before settling at its standard variable rate.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eCapital One Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e4.00% APY ($10,000 to $10 million)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$3; waivable with $300 collected balance range\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=300\" alt=\"\" width=\"300\" height=\"145\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eCash deposits are free for the first $10,000 a month, then $1 per $1,000 deposited; $2 per withdrawal at ATMs outside of Capital One, MoneyPass, and Allpoint ATM networks.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eCapital One is a great option for businesses looking to earn a solid yield for a new account and a consistent long-term yield. The long-term rate is likely low. However, for 92 days after opening the account, you will earn 4.00% APY on balances between $10,000 and $10 million.\u003c/p\u003e\n\n\n\n\u003cp\u003eIt is also a solid choice for people who would rather keep their business banking with a traditional bank instead of an online bank or financial technology (fintech) company. Capital One offers a wide range of business and personal banking products and services.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe caveat with opening a Capital One business savings account is that the rate will drop to the standard variable rate after three months. With interest rates likely dropping nationwide in the coming months, this rate may be very low. You may consider moving your funds to an account with a higher yield once the introductory rate period ends.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlso, you are limited to just six free withdrawals per monthly statement cycle. If you need to access your savings funds more often than that, you may want to consider an alternative or an interest-bearing \u003ca href=\"https://fortune.com/recommends/banking/best-business-checking-accounts/\"\u003ebusiness checking account\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Capital One\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness checking\u003c/td\u003e\u003ctd\u003e0%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness certificates of deposit (CDs)\u003c/td\u003e\u003ctd\u003eRates not disclosed; you must visit a branch for more information\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/capital-one-360-review/\"\u003eCapital One review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Prime\"\u003e\u003cstrong\u003e3. Prime Alliance Bank Business Savings Account: Best for tiered interest earnings\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003ePrime Alliance Bank and its business savings account is an ideal option for companies looking to increase interest yield as balances increase. Prime Alliance Bank operates as an online bank for most customers, although it has one physical location in Woods Cross, Utah. Rates range from 3.85% APY to 3.85% APY.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003ePrime Alliance Bank Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.85% ($200,000 or more)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Prime_Alliance_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e \u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e$10 per transfer/withdrawal if you exceed the limit of six per month; if you exceed this limit three times in a rolling 12 months, the account will be changed to a demand deposit account.\u003c/div\u003e\r\n\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=prime-alliance-business-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe bank rewards you with higher interest earnings as your savings balance increases. You will earn 3.85% APY on balances between $1 and $99,999.99. For balances between $100,000 and $199,999.99, you will earn 4.05% APY. The highest APY tier is for balances over $200,000, earning you 3.85% APY.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike Capital One, Prime Alliance Bank is a traditional bank. This will appeal to some businesses that do not want to use a fintech for their business banking. While most customers will use it as an online bank, customer service is handled by the branch location.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThere is a limit to six transfers and withdrawals per month, with each excess transaction costing $10. If you exceed the limit three times in a rolling 12-month period, the account is converted to a demand deposit account, and you will earn significantly less interest.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo open a business savings account, you must email the bank; it cannot be opened directly on the website. Some personal accounts can be opened online, but most accounts offered by Prime Alliance Bank require an email.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Prime Alliance Bank\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness interest checking\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness money market account\u003c/td\u003e\u003ctd\u003e4.25% APY ($200,000 or more)\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness CDs\u003c/td\u003e\u003ctd\u003e4.90% APY (6 months)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/prime-alliance-bank-review/\"\u003ePrime Alliance Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Axos\"\u003e\u003cstrong\u003e4. Axos Bank Business Premium Savings Account: Best for tiered account opening bonus\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eBusinesses that want to earn solid interest yield with the potential of earning a new account bonus of up to $375 should consider Axos Bank and its premium business savings. All balances up to $5 million earn 4.01% APY.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"axos\" class=\"card-title\"\u003eAxos Bank Business Premium Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e4.01%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Axos-Bank.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=axos-business-savings\u0026amp;tag.sub_id=4061517\"target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nItem processing fee of 30 cents for each item over 20 per month.\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e \u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eIf you want to earn up to $375 in a cash back bonus for opening a new account, Axos could be a great option. The bonus is earned by keeping a specific average daily balance for three months out of a four-month period. You earn $75 per cycle with an average daily balance between $30,000 and $74,999.99 and $125 per cycle for a balance over $75,000.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe account also offers a very solid interest rate. While the website lists balance tiers for interest earning, all tiers below $5 million earn 4.01% APY. This rate is subject to change, so be sure to check the latest rates before opening an account.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eAxos offers a lot of other perks in addition to a new account sign-up bonus and a high interest rate. You get free incoming wires with Axos Bank and QuickBooks integration. As with some of the other banks on this list, Axos offers extended Federal Deposit Insurance Corp. (FDIC) insurance through insured cash sweeps (ICS) through IntraFi Network Deposits. This coverage can be extended up to $250 million.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition, while Axos Bank doesn’t offer branch locations, it is another FDIC-insured bank and not a fintech. So, businesses comfortable with online banking and the security of a traditional bank can find one here.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Axos\u003c/summary\u003e\n\u003cp\u003e\u003cbr\u003e\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBasic business checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness interest checking\u003c/td\u003e\u003ctd\u003e1.01% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness money market\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness savings\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eNonprofit money market\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness CDs\u003c/td\u003e\u003ctd\u003e0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/axos-bank-review/\"\u003eAxos Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Forbright\"\u003e\u003cstrong\u003e5. Forbright Bank Bright Business Savings: Best for high balance interest earning\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eForbright Bank is another traditional financial institution that operates mainly as an online bank outside of three locations in Virginia and Maryland. It offers a strong interest yield of up to 3.35% APY, with that rate available with a balance of $250,000 or more.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eForbright Bank Bright Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$250\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.35% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e1 cent\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone outside of standard wire fees; out-of-network ATM fees reversed within one business day.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWe chose this bank because it offers a solid interest yield with a 1-cent balance required to earn interest. Balances below $250,000 will earn 3.35% APY, and balances of $250,000 and above will earn 3.35% APY, among the top rates on this list.\u003c/p\u003e\n\n\n\n\u003cp\u003eForbright also reverses any out-of-network ATM fees within one business day. There is no monthly maintenance fee for the account, and the minimum opening deposit is only $250. The only other potential fees you might run into are standard fees like wire transfers, overdraft fees, and more.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThis account requires a $500 opening deposit, which is higher than many competitors on this list. It is also primarily an online-only bank with only three physical locations in Maryland and Virginia.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition, if you are considering opening personal accounts with Forbright, you may need to visit a branch location. The only personal accounts that can be opened online are a high-yield savings account and a CD.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Forbright Bank\u003c/summary\u003e\n\u003cp\u003e\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial NOW\u003c/td\u003e\u003ctd\u003e0.10% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial money market\u003c/td\u003e\u003ctd\u003e3.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial platinum money market\u003c/td\u003e\u003ctd\u003e4.25% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCommercial statement savings\u003c/td\u003e\u003ctd\u003e3.00% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eInterest on Lawyers\u0026#8217; Trust Accounts (IOLTA)\u003c/td\u003e\u003ctd\u003e4.25% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMaryland Affordable Housing Trust (MAHT)\u003c/td\u003e\u003ctd\u003e0.10% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Live-Oak\"\u003e\u003cstrong\u003e6. Live Oak Bank Business Savings Account: Best for highest account opening bonus\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eLive Oak Bank offers an excellent business savings account that earns 3.80% APY. In addition, you can earn a $400 cash back bonus by opening a new account and meeting certain balance requirements.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eLive Oak Bank Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.80% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e1 cent\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Live_Oak_Bank_Logo.png\" alt=\"The Live Oak Bank Logo.\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=capital-one-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e$10 dormancy fee if balance is less than $10.01 and there is no activity for 24 consecutive months.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=live-oak-business-savings\u0026amp;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eLive Oak is another traditional bank operating as an online-only financial institution. It has an interest rate that is competitive with other providers on this list. You can earn 3.80% APY on all balances above a penny. You can also earn a $400 cash back bonus by opening a new account, depositing at least $30,000 into it, and maintaining that balance for 90 days.\u003c/p\u003e\n\n\n\n\u003cp\u003eThis account has no monthly fees or minimum opening deposit requirements. The bank extends your FDIC Insurance through IntraFi Network to up to $10 million. Also, it offers several ways to\u003c/p\u003e\n\n\n\n\u003cp\u003efund your account, including automated clearing house (ACH) and wire transfers, mobile check deposits, and mailing a check directly to the bank.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eUnlike other options on this list, you cannot deposit cash into a Live Oak Bank account. The cash back bonus is a limited-time offer, so check with Live Oak to ensure it is still active before opening an account.\u003c/p\u003e\n\n\n\n\u003cp\u003eLive Oak Bank is another FDIC-insured bank without branch locations. However, the lack of branches allows Live Oak to offer higher interest rates than brick-and-mortar banks. Be sure to regularly perform transactions or keep the balance higher than $10.01 in the account. Accounts with a lower balance than $10.01 and no transactions for 24 consecutive months are subject to a dormancy fee.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Live Oak Bank\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Essential\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Plus\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Plus Analysis\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e4.30% APY (12 months)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/live-oak-bank-review/\"\u003eLive Oak Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"First-Internet\"\u003e\u003cstrong\u003e7. First Internet Bank Regular Savings Account: Best for sole proprietors\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you are a sole proprietor, First Internet Bank’s business savings account could be a great option. It doesn’t have the highest interest earnings, with an APY of 0.91%, but it has an easily waivable monthly fee. The bank also offers a high-yield money market that may be worth upgrading to as your balance grows.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"first-internet-bank\" class=\"card-title\"\u003eFirst Internet Bank Regular Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e0.91% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$2, waived with an average daily balance of $1,000 or greater\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_Internet_Bank_Logo.png\" alt=\"The First Internet Bank Logo.\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone outside of traditional bank fees, including wire fees, stop payment, and other banking services.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eFirst Internet Bank is another traditional bank operating primarily online. While many business types can open a savings account, only a sole proprietor can get an ATM card with a savings account. While it has a lower interest yield than other online-only banks, the 0.91% APY beats many traditional banks.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition, you have the option of upgrading to the bank’s money market account, which has an APY of 3.46% on balances below $5 million and 4.95% APY on balances above that threshold. Otherwise, the savings account is a solid choice with a $2 monthly fee that is waivable with an average daily balance of $1,000 or greater.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eIf you aren’t interested in upgrading to the higher-rate money market account, you should probably consider one of the many savings accounts on this list with a higher APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can fund your account via wire or ACH, or you can mail checks to the bank directly. You cannot mail cash to the bank to be deposited into your account. The bank does not charge for ATM transactions, but you may pay third-party ATM fees.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from First Internet Bank\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDo More Business Checking\u003c/td\u003e\u003ctd\u003e0.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMoney Market Savings\u003c/td\u003e\u003ctd\u003e4.95% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e4.42% APY (12 months)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-internet-bank-review/\"\u003eFirst Internet Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Hope\"\u003e\u003cstrong\u003e8. Hope Credit Union Business Savings Account: Best for businesses that want to give back\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHope Credit Union could be a good option for businesses who want to use a credit union for their business savings account. It costs $10 to join, and $5 goes to Hope Enterprise Corporation, a nonprofit that provides financial services and advocacy for under-resourced Deep South communities.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"cloudbank\" class=\"card-title\"\u003eHope Credit Union Business Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$15\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e0.25% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/08/Hope-Credit-Union-logo.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=hope-fcu-business-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eExcess withdrawal fee may apply if you exceed four in a month.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile the interest yield on this account is lower than that of other providers on this list, joining Hope Credit Union is more than about earning interest yield. Hope Enterprise Corporation has helped millions of people in Alabama, Arkansas, Louisiana, Mississippi, and Tennessee directly, as well as others in underresourced communities nationwide.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen you join Hope Credit Union to open an account, $5 of the $10 fee goes to helping people in those states overcome difficult financial conditions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou must maintain a $15 minimum balance, and a balance of $100 is required to earn interest. Hope CU limits you to four free withdrawals per month. Excess withdrawals may incur a fee.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe savings account has no monthly fee. To open an account, you must visit a branch or call the bank. You can also fill out a contact form on the website.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Hope FCU\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Choice Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking Plus\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/hope-credit-union-review/\"\u003eHope Credit Union review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"Relay\"\u003e\u003cstrong\u003e9. Relay Automated Savings Account: Best for automated business savings\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you want a business savings account that can be automated to deduct funds from your checking account and move it to savings, Relay could be a great option. A fintech backed by Thread Bank, Relay allows you to earn up to 3.00% APY in a tiered earnings structure.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"relay\" class=\"card-title\"\u003eRelay Automated Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e3.00% APY ($1 million or more)\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Relay-logo.png\" /\u003e\u003c/div\u003e\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=relay-savings\u0026#038;tag.sub_id=4061517\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\r\n\r\n\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eRelay offers a great automated savings feature that can help you put money aside for future business expenses. Balances between $1 and $50,000 earn 1.00% APY. As your balance increases between $50,000 and $250,000, the APY increases to 1.50%. It increases to 2.00% APY between $250,000 and $1 million, then maxes out at 3.00% APY for balances above $1 million.\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can open up to two savings accounts with Relay. In addition, Relay works closely with the Profit First method, allowing you to save for future profit and tax reserves. The auto transfer feature can make the two monthly allocations automatically.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eRelay is a fintech and not a bank. It is backed by Thread Bank, which offers extended FDIC insurance up to $3 million. If you also use Relay for your checking, you can open up to 20 individual checking accounts and assign up to 50 physical or virtual debit cards, allowing you to have spending controls among a large team.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe company does not charge monthly or overdraft fees. It also doesn’t have minimum balance requirements. If you need additional features, including auto-importing bills from QuickBooks or Xero, approval rules for bill payments, or faster ACH payments, you can upgrade to Relay Pro for $30 per month. But unlike other fintechs, Relay doesn’t lock all its best features behind the paywall.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Relay\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/relay-review/\"\u003eRelay review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"First-Tech\"\u003e\u003cstrong\u003e10. First Tech FCU Simple Business Savings: Best for businesses wanting a credit union\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eWhile First Tech FCU offers the lowest interest rate of any business savings account on this list, it can still be a good choice for companies who want the benefits of credit union membership. These include lower loan rates, business insurance products, and other benefits.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capitalone\" class=\"card-title\"\u003eFirst Tech FCU Simple Business Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit:\u003c/td\u003e\r\n\u003ctd\u003e$25\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eTop APY:\u003c/td\u003e\r\n\u003ctd\u003e0.01% APY\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum to earn APY:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee:\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3872321 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_First-Tech-Federal-Credit-Union-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion three-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nOther potential fees\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eNone.\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eIf you choose the First Tech FCU savings account, it is because you already belong to the credit union or are interested in joining. The account only earns 0.01% APY, the lowest APY on our list. It is a free account with no monthly fees.\u003c/p\u003e\n\n\n\n\u003cp\u003eIt could be a good option for those who want the full benefits of being a member of First Tech FCU. The credit union offers several deposit accounts, business loan products, business insurance services, and dozens of personal banking products and services.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eTo open this account, you will need to join the credit union. To become a member, you must work for one of the credit union’s partner companies, be a family member of a current member, work in the state of Oregon, live or work in Lane County, Oregon, belong to the Computer History Museum, or belong to the Financial Fitness Association.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you don’t meet any of those criteria, you may still be able to join by contacting the credit union directly. While the business savings account has a very low interest rate, the credit union offers a solid personal savings option that earns up to 4.00% APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from First Tech FCU\u003c/summary\u003e\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAdditional product\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTop APY\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Checking\u003c/td\u003e\u003ctd\u003e0% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness Membership Savings\u003c/td\u003e\u003ctd\u003e0.01% APY\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-tech-fcu-review/\"\u003eFirst Tech FCU review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what-to-know\"\u003e\u003cstrong\u003eWhat is a business savings account?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eA business savings account is a deposit account that generally earns an interest yield on your business reserve funds. While some savings accounts may limit the number of transfers and withdrawals each month, others allow unlimited free withdrawals and transfers.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"why\"\u003e\u003cstrong\u003eWhy should my business have a savings account?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile earning interest is a primary reason for a business savings account, it’s not the only one. Kevin Miller, CEO of Travis Credit Union, notes that finances are easier to manage when you can set aside reserves for specific future use.\u003c/p\u003e\n\n\n\n\u003cp\u003e“We do really well with bucketing our money,” Miller said. “For a small business owner, cash flow is the number one issue, especially if they’re paying quarterly estimated taxes. Instead of leaving it in their operating account, if they’re putting that money away a chunk at a time, they’ll get to that date, and the money will be there.”\u003c/p\u003e\n\n\n\n\u003cp\u003eMiller notes that because the minimum balance to open a savings account is generally low, it makes sense for a business to have one. He believes that, especially when a company is starting out, it’s more about having access to reserve funds than earning high-interest yields.\u003c/p\u003e\n\n\n\n\u003cp\u003e“The dollar threshold to open a savings account is so low, you’re not going to be harmed by opening a savings account,” Miller said. “The goal is to have some money set aside, and the objective of that money is to earn a return, but that’s not the number one priority. It’s about having money to have access to when you need to do something.”\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003e\u003cstrong\u003ePros and cons of business savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are benefits and drawbacks to having a business savings account. Here are the pros and cons of these accounts:\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can earn interest on reserve business funds\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIt can allow you to save for large business expenses\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIt can help you set aside money for tax purposes\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eAllows you to separate reserve funds from your operational funds in checking\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe threshold to earn the best interest rates can be high\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou may be limited to the number of transfers and withdrawals per month\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou may find higher rate returns with money market and CD products\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome savings accounts, especially at traditional banks, can earn very low rates\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-much\"\u003e\u003cstrong\u003eHow much money should my business have in a savings account?\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile some small businesses may not initially have large amounts of reserve funds to put into savings, it’s important to calculate precisely how much you should set aside for potential emergencies.\u003c/p\u003e\n\n\n\n\u003cp\u003eMichael Sims, Market Executive at Georgia’s Own Credit Union, says a savings account is part of ensuring the business has surplus operating funds.\u003c/p\u003e\n\n\n\n\u003cp\u003e“You need to calculate your expense run rate, or the amount of expenses you have while waiting to get paid,” Sims said. “Whatever that run rate is, you should have six to eight times that in surplus funds. It gives you time to restructure yourself if your income stream isn’t coming in like it should.”\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003e\u003cstrong\u003eAlternatives to business savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eOnce you have built up your savings account, you may find it’s time to consider other business savings products, such as money market accounts (MMAs), CDs, and even investments.\u003c/p\u003e\n\n\n\n\u003cp\u003eSims monitors his customers’ savings balances compared to the amount they should have saved for an emergency, and when they have excess funds, he has them consider other options.\u003c/p\u003e\n\n\n\n\u003cp\u003e“I know what their expense burn looks like and how much they should have saved,” Sims said. “Once it’s above that balance, I tell them maybe they should consider some \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\"\u003eCD ladders\u003c/a\u003e. We get that rolling for six months to a year. If you haven’t touched that money at that point, it might be time to invest it in the market.”\u003c/p\u003e\n\n\n\n\u003cp\u003eSims encourages his customers to run a cash forecast to determine whether it’s time to move money from a savings account to one of those other savings products.\u003c/p\u003e\n\n\n\n\u003cp\u003e“It’s always a good practice to do a quarterly or semiannual cash forecast,” Sims said. “It helps lead you into how much money you can put aside and what your cash needs might be.”\u003c/p\u003e\n\n\n\n\u003cp\u003eMiller also has his customers begin forecasting to determine whether their excess funds should be moved to other deposit or investment products.\u003c/p\u003e\n\n\n\n\u003cp\u003e“The smaller businesses may want to use a CD,” Miller said. “As you get bigger, if they have treasury management services, they could look at the overnight market, swaps, the repo market where it sweeps in and sweeps out. Those clients require someone to really manage it for them, like a part-time CFO [chief financial officer] or a bookkeeper.”\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"our-methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo narrow down our top picks for the best business savings accounts, the Fortune Recommends team evaluated more than 20 accounts from a variety of traditional brick-and-mortar banks, online banks, fintechs, and credit unions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll the accounts on our list are available to customers in the U.S. no matter where you’re located, subject to the terms of each account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWe ranked each business savings account in these core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best business savings accounts: Our methodology\" aria-label=\"Pie Chart\" id=\"datawrapper-chart-1BDTy\" src=\"https://datawrapper.dwcdn.net/1BDTy/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"485\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAPY (40%): \u003c/strong\u003eEarning interest is one of the main reasons to open a savings account versus keeping all your funds in checking.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum to earn APY (15%): \u003c/strong\u003eMany business savings accounts have tiered rates, so lower minimums for earning high APYs scored better on our list.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly fees (10%): \u003c/strong\u003eThe point of a savings account is to \u003cem\u003egrow\u003c/em\u003e your money, not have it stripped away by fees.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum opening deposit (10%): \u003c/strong\u003eSavings accounts should be accessible. Lower minimums to open an account earned a higher rating on our list.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSecurity features (10%): \u003c/strong\u003eYou shouldn’t have to worry about keeping your money safe, so banks with multiple security features did better.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer support (5%): \u003c/strong\u003eWe rated phone support as the most valuable but also considered email and chat options.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (5%): \u003c/strong\u003eReal-life users’ opinions matter to us; institutions with higher-rated apps were taken into account.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePhysical ATM or debit card (5%): \u003c/strong\u003eThe more ways to access your money, the better.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQ\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs a business savings account taxed?\u003c/summary\u003e\n\u003cp\u003eThe IRS does require you to pay taxes on any interest earned for a business savings account. However, if you have a tax-deferred savings account, such as an individual retirement account (IRA), you won’t have to pay taxes right away.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat bank offers free business savings accounts?\u003c/summary\u003e\n\u003cp\u003eAlmost all banks offer either a free business savings account or one with a waivable monthly fee. All 10 financial institutions in our buyer’s guide, including Lili, Capital One, and Prime Alliance Bank, have either a free business savings account or one with a waivable monthly fee.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs it worth having a business savings account?\u003c/summary\u003e\n\u003cp\u003eIt is worth having a savings account for three primary reasons. First, it allows you to separate reserve funds from operational funds, allowing you to save for future expenses. Second, you can set aside tax payments so those funds are not spent before your quarterly payments. Finally, you can save up for large capital purchases, which may keep you from taking out a loan.\u003c/p\u003e\n\u003c/details\u003e\u003c/div\u003e","databaseId":4061517,"dateGmt":"2024-11-07T14:29:49","dek":"","description":"Check out our picks for the 10 best business savings accounts, which contain banks and fintechs offering high interest yields.","faq":[{"answer":"The IRS does require you to pay taxes on any interest earned for a business savings account. However, if you have a tax-deferred savings account, such as an individual retirement account (IRA), you won’t have to pay taxes right away.","question":"Is a business savings account taxed?","__typename":"FaqField"},{"answer":"Almost all banks offer either a free business savings account or one with a waivable monthly fee. All 10 financial institutions in our buyer’s guide, including Lili, Capital One, and Prime Alliance Bank, have either a free business savings account or one with a waivable monthly fee.","question":"What bank offers free business savings accounts?","__typename":"FaqField"},{"answer":"It is worth having a savings account for three primary reasons. First, it allows you to separate reserve funds from operational funds, allowing you to save for future expenses. Second, you can set aside tax payments so those funds are not spent before your quarterly payments. 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She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/abigail-rueger/"},"sectionNames":["Banking"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"The best business savings accounts should offer high interest yields and limited fees. 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