Business Saving Accounts
Compare our business saving accounts by toggling between them to discover which one is right for your business.
Take Advantage of FREE Included Options and enhance your business savings account with Add-On Services.
Basic Savings
Account Information
No Minimum to Open
Quarterly Statement*
Earn Interest
Paid on the daily collected balance.
Compounded andpaid quarterly.
Maintain a $100 average collected balance,and well waive the $2.00 monthly service charge.
Are you ready for the next step?
*Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have a First Citizens Business Checking account, your savings account statement will be provided to you monthly with your checking statement.


Platinum Savings
Account Information
No Minimum to Open
Monthly Statement
Earn Tiered Interest
Paid on the daily collected balance of $10,000 or more.
See a Personal Banker for complete information aboutrates and tiers. Compounded and paid monthly.
Maintain a $10,000 average collected balance,and well waive the $25.00 monthly service charge.


Certificate of Deposit (CD)
Account Information
$1,000 Minimum to Open
Earn Tiered Interest
The more you deposit the greater your return.
Time Terms*
You choose the length of time for the CD.
Terms range from 6 to 60 months.
One-time Bump
If rates go up there may be a one-time bump option which can be utilized to give you the better rate.
Are you ready for the next step?
*Penalty for early withdrawal varies depending on the term length for the certificate of deposit. Ask a personal banker what the penalty is for the term length you choose.
What documents do you need to bring in to open your account?
- Business Tax ID Number
- Legal Documents indicating the ownership and structure
(ie: Articles of Incorporation, Corporate By-Laws, Articles of Organization, Certificate of Organization, Partnership Agreement) - Non-Expired, Government Issued ID along with personal information such as physical address, phone number, etc.
Our Business Banking experts can help you find the right solution for your specific needs, regardless of whether you run a start-up, have an established business or work in agriculture.
Are you ready for the next step?
Take Advantage of FREE Included Options
Choose to add any or all of these FREE options to your business savings account.
Online & Mobile
Banking
Online & Mobile
Banking
Access your accounts 24/7 on your desktop or on-the-go with your mobile device.
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Bill Pay
Bill Pay
Simplify the way you pay bills-schedule regular payments or pay bills individually.
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Mobile Deposit
Mobile Deposit
Deposit a check into your bank account right from your smartphone using Mobile Deposit within the FCB mobile app.
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eStatements
eStatements
Reduce paper, save money and sign up for eStatements within Online Banking.
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Auto-Sweep Service
Auto-Sweep Service
Get flexibility in managing your account balances when you use our Auto-Sweep Service.
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IntraFi® Network DepositsSM
IntraFi® Network DepositsSM
A free service that grows your deposits of over $250,000 while receiving the protection of FDIC insurance.
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Coin & Currency Service
Coin & Currency Service
Have large amounts of coin that you need turned in to dollar bills or need rolled coin?
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Night Deposit
Night Deposit
Make deposits after bank hours using our secure night deposit box.
Add-On Services to Enhance Your Business Savings
Let us help you manage your money while you grow your business -- with dependable, accurate and efficient services.
Direct Deposit/
ACH/Payroll
Merchant Card Services
Digital Deposit
Wire Transfers
Wire Transfers
Transfer funds quickly and securely by wire both domestic and international.
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Health Savings Account (HSA)
HSA
Offers tax benefits to both their owners and to employers who choose to contribute to them.
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Business Gift Card
Business Gift Card
A First Citizens gift card is easy and convenient to give.
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