Business Savings

We have a variety savings options to fit the needs of your growing business:

 

Basic Savings
An account that is easy and an ideal way to start saving!

No minimum opening deposit
Interest is paid on the daily collected balance. Compounded and paid quarterly.
Quarterly statements*
eStatements available
Free Online Banking**
Free Bill Pay Express
Six pre-authorized debits allowed per month (includes telephone, Online Banking and Telephone Banking transfers, auto transfers for overdraft protection, and drafts).
Monthly service charge of $2.00 (excludes applicable taxes), unless minimum average collected balance is $100, then fee is waived.

*Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have any First Citizens checking account, your savings account statement will be provided to you monthly on a uni-statement.

**Downloading fees may apply.


 

Tiered Savings
An account that pays competitive interest rates on larger deposits.

Minimum opening deposit of $1,000.
Interest is paid on daily collected balances of $1,000 or more. Compounded and paid monthly.
Free Online Banking**
Free Bill Pay Express
Monthly statements*
eStatements available
Tiered rates to help you earn more. Tiers at $1,000, $2,500 and $5,000.
Six pre-authorized debits allowed per month (includes telephone, Online Banking and Easy Access Line transfers, auto transfers for overdraft protection, and drafts).
Monthly service charge of $2.00 (excludes applicable taxes), unless minimum average collected balance is $100, then fee is waived.

*Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have any First Citizens checking account, your savings account statement will be provided to you monthly on a uni-statement.

**Downloading fees may apply.


 

High Balance Savings
An account that pays competitive interest rates on larger deposits.

Minimum opening deposit of $10,000.
Interest is paid on daily collected balances of $10,000 or more. Compounded and paid monthly.
Monthly statements*
eStatements available
Free Online Banking**
Free Bill Pay Express
Tiered rates to help you earn more. Tiers at $10,000, $25,000, $50,000 and $100,000
Six pre-authorized debits allowed per month (includes telephone, Online Banking and Easy Access Line transfers, auto transfers for overdraft protection, and drafts).
Monthly service charge of $2.00 (excludes applicable taxes), unless minimum average collected balance is $100, then fee is waived.

*Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have any First Citizens checking account, your savings account statement will be provided to you monthly on a uni-statement.

**Downloading fees may apply.

 


Certificates of Deposit
Our certificates of deposit are designed for you no matter the size of your business. Terms range from 7 days to 60 months to allow for the flexibility your business needs.

Click here for terms and rates.


CDARS® (Certificate of Deposit Account Registry Service)
CDARS® is the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $250.000. CDARS® is open to businesses, non-profits and public fund entities.