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Both of our business savings accounts offer competitive interest rates and flexible terms to help you maximize your earnings and make the most of your business capital. Whether you choose regular savings or premium money market – our Relationship Managers can help you find the account that’s right for you and your business.
Either option has no minimum opening balance requirement. They both offer tiered interest rates, so the more you save, the more your business will receive in interest payments. You’ll also receive free e-statements, 24-hour bank by phone, mobile banking, and mobile deposit capture. You can make six free withdrawals per each statement cycle.
Our Business Savings Account has a $5 monthly service charge, but we’ll waive this as long as you maintain a $300 average daily balance.
The Business Money Market Account has a $10 monthly service charge, which is waived with a $2,500 average daily balance.
Cogent Bank offers business savings and business money market accounts designed to help businesses manage and grow funds.
Yes. Cogent Bank offers business savings and money market accounts in Florida for businesses looking to save, earn interest, and maintain access to funds.
Cogent Bank’s Business Savings Account has a $5 monthly service charge (waived with a $300 average daily balance), while the Business Money Market Account has a $10 monthly service charge (waived with a $2,500 average daily balance). Both are interest-bearing and use tiered rates.
No, at Cogent Bank both business savings and business money market accounts have a $0 minimum opening balance.
Yes. At Cogent Bank both Business Savings Account and Business Money Market Account are interest-bearing and use tiered interest rates.
Yes. Both account types use tiered rates, meaning higher balances can earn higher rates.
Each account includes six free withdrawals per statement cycle.
Yes. A fee may apply for withdrawals made after the sixth withdrawal in a statement cycle. Please refer to the current fee schedule for details.
Business savings and money market accounts include:
Free e-statements
Online banking/account management
24-hour bank by phone
Mobile banking
Mobile deposit capture
Yes. You can manage your business savings or money market account through online banking and mobile banking, including checking balances and monitoring account activity.
Yes. A business money market account can be a strong option if you want to earn interest while keeping funds accessible for business needs.
Yes. These accounts are FDIC insured up to the maximum amount allowed by law.
We use a straightforward fee structure with clearly disclosed monthly service charges, waiver options, and transaction-related fees. Please review the current fee schedule for complete details.
The best option depends on your balance levels, savings goals, and how often you need access to funds. A relationship manager can help you compare options and choose the right fit for your business.
You can get started by contacting us or using the online account opening option to open a business savings or money market account.