Business Savings & CDs
Business Savings & Liquidity
Your business cash shouldn’t all live in one place. Whether you’re building reserves, planning for taxes, or setting aside funds for a future purchase, i-bank offers savings and liquidity options that help you earn more while keeping the right level of access.
- Business Savings: simple reserves with easy access
- Business Money Market: liquidity with tiered earning potential for higher balances
- Business CDs (Time Deposits): fixed term options for funds you can set aside
How to choose the right option
- If you want flexibility: Business Savings is a strong baseline for reserves.
- If you maintain higher balances: Business Money Market may be a better fit for earning potential while staying liquid.
- If you’re planning ahead: CDs are ideal for funds you can set aside for a defined term.
Not sure where to start? Tell us your goal (operating cushion vs. reserves vs. longer-term savings) and we’ll point you in the right direction.
Compare savings & liquidity options
| Option | Best for | Liquidity | Notes |
|---|---|---|---|
| Business Savings | Reserves, taxes, emergency fund | High | A simple way to separate reserves from operating cash |
| Business Money Market | Higher balances with ongoing access | High | Tiered earnings potential while maintaining liquidity |
| Business Time Deposits (CDs) | Funds you can set aside for a defined term | Lower | Great for planned purchases and longer-term reserves |
Pair reserves with everyday operations
Many businesses keep daily transactions in checking and move reserves into savings, money market, or CDs. Explore business checking options →
Still deciding? Tell us your timeline and how accessible you need funds to be — we’ll help you choose the right structure.
Start the conversation →
