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Savings, CDs and Money Market Accounts

Savings Solutions Built for Business Owners

Choosing the right savings account is an essential part of building a strong financial future for your business. At American Community Bank & Trust, our commercial savings and money market accounts are designed to help you set aside funds, earn interest, and maintain the flexibility you need to manage your cash flow. Whether you’re looking for a simple way to grow your reserves or a higher-yield option for larger balances, we offer solutions that align with your business goals and financial strategy. If you're ready to open a commercial savings account at American Community Bank & Trust, please contact our business banking team.

Commercial Savings Account Inquiry


Compare Your Commercial Savings Options

Account Features

Business Savings

Business Money Market

Who This Account is For

Business owners looking for a traditional commercial savings account with a low balance requirement to earn interest.

Business owners who can maintain a higher daily balance and want to take advantage of tiered interest rates when they can keep a higher account balance.

Interest

Interest is paid quarterly

Interest is paid monthly. Here are the interest tiers:

  • $1,000 - $9,999

  • $10,000 - $49,999

  • $50,000 - $99,999

  • $100,000 - $249,999

  • $250,000 and over

Minimum Balance to Obtain Interest

$500 minimum collected balance

$1,000 minimum collected balance

Maintenance Fee

$10/quarter

$11/month 

Balance Needed to Avoid Maintenance Fee

$500

$2,500

Per Item Fee

None

  • First 60 deposits and items deposited free

  • $0.50 for each additional item

eStatements

Free - 18 months of online history

Free - 18 months of online history

Mailed Statement Fee

  • $5/month

  • $10/month with check images

  • $5/month

  • $10/month with check images

Features

  • 6 free withdrawals per month

  • $5 fee per excessive withdrawal

  • 6 free withdrawals per month

  • $5 fee per excessive withdrawal

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