Business Savings Account

We’re here to help your business grow and thrive

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Business Savings Features & Benefits

We offer the personal attention and competitive benefits your business needs. As a member of both FDIC and DIF, we provide full deposit insurance without exception. From seasonal businesses to year-round operations, we’re here to support your success.

Account Features That Work for You

  • No monthly maintenance fees—more money stays in your business 
  • Unlimited deposits with no transaction limits or restrictions 
  • Free transactions at all branches and 55,000+ Allpoint ATMs1 
  • Free Business Online Banking2 with mobile check deposit 
  • Just $25 minimum deposit to open

Security & Protection You Can Trust

  • 100% deposit insurance through FDIC and DIF coverage 
  • Advanced fraud monitoring with security alerts through business online banking
  • Local ownership with decisions made in our community 
  • Dedicated business specialists who understand your industry 

Choose the Right Savings Solution

We offer several business savings options to meet your specific needs. Whether you want basic savings, higher yields, or guaranteed returns, we have a solution that’s right for your business.

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Business Savings Account

Perfect for businesses that want to earn interest while maintaining easy access to funds with no monthly fees.

  • No monthly maintenance fees 
  • $25 minimum to open 
  • Unlimited deposits 
  • Free online and mobile banking 
  • 100% FDIC and DIF insured 
  • Combined monthly statements 
Learn More
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Business Money Market Account

Higher interest rates for larger balances with check-writing privileges—ideal for businesses with excess cash.

  • Tiered interest rate structure 
  • Higher rates on larger balances 
  • Check writing capabilities 
  • 100% FDIC and DIF insured   
  • Premium account benefits 
  • Personal relationship manager 
Learn More
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Business Certificate of Deposit

Guaranteed fixed rates for specific terms—perfect for businesses saving for future goals or major purchases.

  • Guaranteed fixed interest rates 
  • Terms from 3 months to 5 years 
  • Higher yields than savings 
  • 100% FDIC and DIF insured 
  • Automatic renewal options 
  • Withdraw interest anytime 
Learn More

Why Local Businesses Choose Us

We’re proud to be a community bank that understands local business needs. From fishing and hospitality to retail and professional services, we’re here to help you succeed.
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Full Deposit Insurance Protection

100% of deposits insured through FDIC and DIF coverage—no limits.
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Local Expertise & Personal Service

Decisions made locally by people who understand your business.
No Hidden Fees or Surprises

Transparent pricing with no monthly fees or balance requirements.
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Modern Banking Technology

Mobile banking, online access, and digital tools that work for you.
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Community Investment Focus

Your deposits support local businesses and community growth.
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Ready to Open Your Account Today?

Join the businesses that trust Cape & Coast Bank for competitive rates, 100% deposit insurance, and local decision-making. Contact our business banking team to get started.

Apply Now

Supporting Every Type of Business

From seasonal operations to year-round enterprises, retail shops to professional services, we understand the diverse needs of businesses in our community and we’re here to help.

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Hospitality & Tourism Services

Specialized banking for hotels, restaurants, and seasonal businesses with flexible solutions for Cape Cod’s tourism industry.
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Business Growth Financing

Equipment loans, lines of credit, and SBA financing to help your business expand operations and seize new opportunities.
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Payment Processing Solution

Accept payments seamlessly with our merchant services including credit card processing and point-of-sale integration.
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Cash Flow Management Tools

Remote deposit, ACH services, and wire transfers to streamline operations and optimize your business cash flow.
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Nonprofit Banking Specialists

Grant management, fundraising accounts, and community-focused banking services designed specifically for nonprofit organizations.
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Professional Practice Banking

IOLTA accounts, client escrow services, and specialized solutions for legal, medical, and professional service firms.

Business Savings Account FAQs

Get answers to the most common questions about opening and managing a Business Savings Account with Cape & Coast Bank, your community banking partner.

You’ll need a government-issued photo ID, business registration documents, EIN or SSN, and a minimum opening deposit.

As a member of both FDIC and DIF, 100% of your deposits are insured in full regardless of balance. Your coverage begins when you open your account.

That’s right—no monthly maintenance fees and no minimum balance requirements. We believe in keeping your costs low so your savings can grow.

Yes! Free Business Online Banking includes mobile check deposit, account management, transfers, and 24/7 access to your funds.

We provide business checking, commercial loans, merchant services, payroll solutions, and cash management—everything your business needs to succeed.

1Other banks may charge a fee for the use of their ATM. 

2Basic service is provided at no charge, some additional services may incur a fee.