Business Savings Account

Elevate Your Earnings with a Business Savings Account

Maximize your business banking relationship with our commercial savings accounts, designed to grow your money and help you build a resilient financial foundation. Earn competitive interest rates that help your business funds grow, giving you more resources to reinvest in your business.

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Fully Insured Deposits

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Trusted Advisor & Partner

Business Savings Accounts

Convenience and flexibility for your business — complement your Moonstone Bank Business Checking account.

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Online & Mobile Banking

Access your business savings accounts anytime, anywhere with our convenient online and mobile banking services.

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Earn Interest

Benefit from competitive interest rates on business savings accounts, helping your money grow while you focus on your business.

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Link Accounts

Easily link your business checking account with your commercial savings accounts for seamless transfers and optimal financial management.

100% Insured Deposits

100% Deposits Insured

Rest assured that your deposits are fully insured, providing you with peace of mind.

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Additional Business Solutions

Manage your cash flow with a range of additional business services like Merchant Services, Remote Deposit Capture, Account Alerts through Online Banking and more.

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Fraud Prevention Resources

Protect your business with our robust fraud prevention resources, ensuring your corporate savings account remains secure.

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Streamline Your Finances with Our Business Savings Accounts

    • Bank in one place: Simplify your business finances by accessing your funds through our online banking and our mobile app.
    • Simplify Transfers: Create rules within our Online Banking to automatically transfer money from your checking account to your business savings account. Save weekly or contribute a portion of your deposits.

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Money Market Accounts

Get More for Your Money with The Security of Fully Insured Deposits

    • Fully Insured: Accounts are insured through the FDIC up to $250,000 per depositor, and covered in excess by the DIF.
    • Competitive Rates: A competitive tiered rate of interest that increases with your balances.
    • Dedicated Support: We work closely with our clients to deliver superior services and solutions to meet all their banking needs.
    • No Excess Transaction Fees: We offer no excess transaction fees and no limit on the number of transactions.

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Tenant/Escrow Savings

Specialized escrow accounts for property managers ensure that tenant funds are securely held, with deposits 100% fully insured for maximum safety.

Features:

    • Interest-bearing
    • Personalized service
    • Detailed account statements

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Choose Moonstone Bank for Secure Banking and Exceptional Service!

Looking to switch banks? Whether it’s for better customer service, higher interest rates, or a fresh start, Moonstone Bank is the right choice. Enjoy 100% deposit insurance through the FDIC and DIF, protecting your assets with tailored banking solutions.

    • 100% Fully Insured Deposits
    • Fraud Prevention Resources
    • Premier Cash Management
    • Robust Commercial Lending

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Your banking needs are unique. We'll work with you to find the right solution.
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Business Savings Account FAQs

To apply for a Moonstone Bank business savings account, follow these steps:
  1. Visit a Local Branch: You can apply in person at one of our branch locations. Find a branch near you.
  2. Fill Out an Online Form: Complete a form on our website, and one of our deposit specialists will contact you at your preferred date and time.
Choose the option that best fits your needs to start the process of opening your business savings account.

To open a commercial savings account, you'll need to provide specific documentation. Required items include:
  1. One valid Form of Primary ID: Driver's License, Passport, State Issued ID, or Military ID.
  2. Owner/Signer Information: Full legal name, occupation, Social Security Number, home address, mailing address, date of birth, country of citizenship, and percentage of ownership (only for owners).
  3. Business Documentation: Depending on your business type, this includes:
    1. Corporations & Non-Profits: Articles of Incorporation and a listing of Board of Directors or Officers, or meeting minutes containing the board or officer election. Non-Profits also need a 501(c)3 document.
    2. Sole Proprietorships: Trade name or business certificate.
    3. LLCs: Certificate of formation and operating agreement.
    4. Partnerships: Partnership agreement.
Having these documents ready will help streamline the process of opening your commercial savings account.

Yes, the money in your business checking account is insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, for each account ownership category. The Deposit Insurance Fund (DIF) insures the full balance above $250,000.

You should consider opening a savings account for your business as soon as you have surplus funds that are not needed for immediate expenses or you are reserving funds for a specific goal. A business savings account allows you to earn interest on your idle funds, which can help grow your financial reserves over time. Additionally, taking advantage of the interest rates on business savings accounts can provide a low-risk way to enhance your company's cash flow and financial stability.

A business savings account offers the benefits of earning interest on idle funds, providing a financial cushion for unexpected expenses, and ensuring the safety and security of your money. It also aids in separating operational funds from savings, improving cash management and financial planning. At Moonstone Bank, a business savings account is fully protected with FDIC insurance up to $250,000 per depositor and additional coverage by the DIF, ensuring all the money in your corporate savings account is secure.

Still have questions? Read more FAQs