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Online Banking

Business Savings Accounts

Select from savings options to fit your long- and short-term business needs.

Compare Business Savings Accounts

*A service fee per withdrawal will be assessed after the 3rd withdrawal in a quarter.
**A service fee per withdrawal will be assessed after the 6th withdrawal in a month.
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Sync Digital Tools for Business

Manage your money anytime, anywhere your business takes you.


If your business needs ready access to cash, stash your extra funds in our simple savings account and earn interest on your hard-earned money.  Just maintain a minimum balance of $100 to avoid paying the $6 monthly service charge.

Smart Money Market

Our Smart Money Market account is also a smart business decision, especially for larger deposits.  Your FDIC-insured funds will earn higher rates than in a typical savings account, plus you can easily avoid minimum-balance-based monthly fees.

Simply set up and maintain a monthly incoming automatic transfer from another Bank Independent account to:

  • Open a Smart Money Market account with a minimum opening balance of $1, and
  • Avoid a monthly service charge 
If you don't want to set up a monthly transfer from another BI account, you can still enjoy a Smart Money Market with:

  • A minimum $10,000 opening deposit, and
  • A monthly service charge of $15 if your balance dips below $10,000

Certificate of Deposit (CD)

A Bank Independent CD is an excellent way for businesses to turn savings into earnings. The secure rate ensures maximum returns with minimum risk. Choose from short- or long-term CDs and fixed or bump rate options.  

Smart Swipe

Simplify savings by enrolling in Bank Independent's Smart Swipe program, where we round up change from your Bank Independent Debit Card purchases to the next dollar and deposit that into another BI account of your choosing.  Learn how a little change can add up to a lot of savings and enroll in Smart Swipe here.

Here's how Smart Swipe works:
  1. Use your Bank Independent Debit Card for a purchase.
  2. We'll round up that amount to the nearest dollar.
  3. We will automatically deposit the difference into your designated account
Smart Swipe Examples
Use Your Debit Card to Buy You Pay We Will Round It Up To And Then Transfer Watch Your Balance Add Up
Coffee $5.47 $6.00 $0.53 $0.53
Fuel $27.21 $28.00 $0.79 $1.32
Groceries $64.52 $65.00 $0.48 $1.80
At the end of the business day, we'll transfer your savings to your designated account $1.80

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Can't make it to a branch? Let us know how, when and where it would be convenient to contact you.

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Simple. Everyday. Savings.

Enroll in Smart Swipe and save the change from your debit card purchases.