Business Savings Accounts
Choose a savings option designed to help your business plan, prepare, and move forward with clarity.
Smart Savings, Simple Access
Business Savings
A flexible, easy-to-manage savings account with low requirements. Business Savings is ideal for setting aside funds while maintaining convenient access.
- $25 Minimum Opening Balance
- Earn Interest on Balances of $100 or More
- Free Civista ATM Access
- Free Online Bill Pay
- Free Digital and Mobile Banking Access
Monthly service charge waived by maintaining an account balance of $300 or more.
Business Money Market
Designed for businesses with higher balances, Business Money Market offers variable interest rates that reward saving while maintaining access to funds.
- $2,500 Minimum Opening Balance
- Variable Interest Rates That Reward More Saving
- Free Civista ATM Access
- Free Online Bill Pay
- Free Digital and Mobile Banking Access
Monthly service charge waived by maintaining an account balance of $2,500 or more.
Business Certificates of Deposit
Designed for those with concrete savings plans, Certificates of Deposit allow you to accumulate steady interest on your savings balance over set timeframes.
- $500 Minimum Opening Balance
- Variable Terms
- No Monthly Service Charge
- Fixed Interest Rates
- Add-on and Jumbo Term Options
- Free Digital and Mobile Banking Access
Compare Accounts at a Glance
| Table | Business Savings | Business Money Market | Business Certificates of Deposit |
|---|---|---|---|
| Ideal for: | Everyday cash reserves and short-term flexibility | Growth-oriented cash balances | Predictable, term-based returns |
| Minimum Opening Balance: | $25 | $2,500 | $500 |
| Interest Rates: | Variable - Balance Dependent | Variable - Balance & Market Dependent | Fixed - Term Dependent |
| Minimum Interest-bearing Balance: | $100 | $2,500 | $500 |
| Minimum Monthly Balance to Avoid Maintenance Fee: | $300 | $2,500 | N/A |
| eStatements | Standard; paper statements available for a fee | Standard; paper statements available for a fee |
1eStatement is account standard. Paper statement option available for a monthly charge.
2Standard wireless carrier charges may apply to mobile banking service. See Civista’s business schedule of fees for a complete listing of transaction and account fees.
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