Business Savings

Give excess cash a job that pays (you). Earn interest and make money with our savings options. Contact Us

Business Savings

Give excess cash a job that pays (you). Earn interest and make money with our savings options. Contact Us

Business Savings Options

It’s important to make saving a part of doing business. And we have several options to help you save for your business goals.

  1. Savings and Money Markets

  2. Certificates of Deposits (CDs)

  3. CDARs Program

Savings and Money Markets

Easy and immediate access to your business savings with the flexibility to deposit and withdraw money when you want—and earn competitive interest rates. Link your account to your business checking account for Overdraft Protection.


Business Basic Savings

Business Preferred Investment

Business Star Investment

Business Platinum Money Market

Best for business owners who...

Maintain a low to moderate balanceMaintain a moderate to high balanceMaintain a high balanceMaintain a high account balance or want to take advantage of high combined balances

Minimum to open

$50$200$200$10,000

Monthly service fee

$5 or $0

$10 or $0

$15 or $0

$30 or $0

Minimum balance requirement to avoid monthly service fee

$300 Daily

$2,000 Daily or

$5,000 Average Monthly

$25,000 Daily or

$50,000 Average Monthly

$100,000 Daily or

$250,000 Average Monthly in Combined Qualifying Balances (Checking, Savings, Time, and Credit)

Interest tiers

NoYesYesYes

Additional Savings and Money Markets Information:

  • Interest is compounded and paid monthly on collected funds.
  • Six withdrawals permitted each month at no cost. A $5 fee is assessed on additional withdrawals over six.
  • Link your account to your business checking account for overdraft protection.

Certificates of Deposit (CDs)

If locking in an interest rate for a period of time makes more sense to save for your business goals, ANBTX offers traditional time deposits, also known as Certificates of Deposit (CDs) with a variety of terms.

  • Low minimum deposit of $1,000 to open
  • Competitive interest rates with no maintenance fees
  • Multiple term options—save for as little as one month to five years
  • Fixed interest rate—locked in for whatever term you choose
  • FDIC insured—up to the maximum applicable limits

people talking about certificates of deposit

CDARs

For businesses with a lot of excess cash, you may also choose to participate in our CDARs program. It’s a smart and easy way to access FDIC insurance on all of your deposits.

Instead of opening CD accounts at multiple banks to secure FDIC insurance, you can do it all here at ANBTX. As a CDARS Network member, you’ll work directly with us to place your funds into CDs issued by other financial institution members of the CDARS Network in increments below the FDIC insurance maximum of $250,000 so that both the principal and interest are eligible for FDIC insurance.  


Here's why CDARs is a great option:

  • One relationship with a local, community bank
  • One rate on your entire deposit
  • One statement that details all of your holdings
  • Multiple term options
  • Peace of mind knowing all of your deposits are FDIC insured

Other Business Services to Help Manage Cash Flow

How Can We Help?

Contact us to learn more about Business Savings Options.