Business Savings
Local decisions, full protection, expert guidance
Your Business Growth Partner
For over 100 years, we’ve helped businesses grow their savings with competitive rates and personal service. Whether you’re saving for equipment, expansion, or building reserves, our solutions help your money work harder while providing the flexibility your business needs.
Why Businesses Choose Us
- Competitive rates that help your business savings grow faster
- Local decision-making means faster approvals and personalized service
- Full deposit protection through FDIC plus DIF insurance
- No monthly maintenance fees on business savings accounts
Complete Business Banking Solutions
- Business checking with cash management tools for daily operations
- Commercial lending and lines of credit for growth and equipment
- Online and mobile banking for 24/7 account access
- Fraud prevention services and positive pay protection
Choose Your Business Savings Solution
Every business has different savings goals and cash flow needs. Compare our business savings options to find the right fit, whether you’re just starting out, growing steadily, or planning your next big move.
Business Savings Account
Perfect for businesses that want to earn competitive interest while maintaining easy access to their funds.
- Competitive variable interest rates
- No monthly maintenance fees
- Easy online and mobile access
- FDIC + DIF insured protection
- Local relationship management
Certificate of Deposit (CD)
Secure your business savings with guaranteed fixed rates and full coverage through FDIC and DIF insurance for predictable returns and peace of mind.
- Fixed rates for guaranteed returns
- Terms from 3 months to 5 years
- Automatic renewal options
- Minimum deposit: $500
- Full deposit protection
Business Money Market
Earn higher interest rates for larger balances with immediate access to your money and check-writing privileges.
- Higher rates on larger balances
- Immediate access to funds
- Check-writing privileges available
- FDIC plus DIF insurance
- Tiered interest rate structure
Community First Nonprofit Money Market
Special money market account designed specifically for 501(c)(3) organizations serving our community.
- Enhanced rates for nonprofits
- Flexible account management
- Check-writing privileges
- Mission-aligned banking partnership
- Dedicated nonprofit specialists
Client Escrow Savings
Specialized account for managing client funds with the security and compliance features professionals need.
- Client fund segregation
- Detailed reporting capabilities
- Compliance-focused features
- Professional liability protection
- Specialized account management
Focused on Local Business Growth
Business Savings Questions & Answers
Get answers to common questions about business savings accounts at Cape & Coast Bank. Learn about rates, requirements, and account features.
What’s the minimum to open an account?
Most business savings accounts require a $500 minimum opening deposit, with no monthly maintenance fees to help your business save more.
How does FDIC and DIF insurance work?
We’re members of both FDIC and DIF, which means 100% of your deposits are insured in full without limit or exception on all business accounts.
What documents do I need to open?
You’ll need your business license, EIN, operating agreement or articles of incorporation, and government-issued photo ID for authorized signers.
Do you offer online business banking?
Yes, our business online banking includes account management, transfers, mobile check deposit, alerts & notification tools, and multi-factor security settings at no cost.
How do I get started?
You can apply online, call us at 508.568.3400, or visit any of our convenient locations to speak with a business banking specialist today.
Partner with Your Community Bank
Join they many businesses that trust Cape & Coast Bank for savings solutions and everyday banking needs. Discover how local expertise and personal relationships can help your business thrive.