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Arms dressed in business suit shaking hands

Business Accounts

CapEd offers deposit account options for small, mid-size, and large businesses and organizations.

Open a Business Account

If you're ready to open a business account, review the Business Account Checklist for the required documentation. Call, email, or visit a CapEd location when you're ready to get started.

Business Savings

Earn monthly dividends on your deposits.

Account Type Minimum Balance Dividend Rate APY1 Free Withdrawals
per month2
Basic $5.00 0.05% 0.05% 6
Standard $1,000 - $24,999.99 0.10% 0.10% 6
$25,000 - $49,999.99 0.15% 0.15% 6
$50,000 - $249,999.99 0.20% 0.20% 6
$250,000+ 0.25% 0.25% 6
Commercial $2,500 - $24,999.99 0.15% 0.15% 6
$25,000 - $49,999.99 0.20% 0.20% 6
$50,000 - $249,999.99 0.25% 0.25% 6
$250,000+ 0.30% 0.30% 6


Business Checking

Multiple options to suit your business needs including dividend-bearing accounts. Every business checking account receives a business debit card.

Basic and Standard

Account Type Minimum to Open Minimum to Waive Fee2 APY1 Monthly Debit and
Credit Transactions2
Basic $0.00 N/A 0.00% 150
Standard $100.00 $1,000.00 0.00% 250

Commercial

Account Type Minimum to Open Minimum to Earn APY APY1 Monthly Debit and
Credit Transactions2
Commercial $300.00 $2,500.00 0.15% 350
$300.00 $25,000.00 0.20% 350
$300.00 $50,000.00 0.25% 350
$300.00 $250,000.00 0.30% 350


Share Certificates

Select from multiple term options to deposit your funds for a higher return. Rates current as of .

Term Minimum Deposit Dividend Rate APY3
6 Months $500 % %
$10,000 % %
$50,000 % %
12 Months $500 % %
$10,000 % %
$50,000 % %
18 Months $500 % %
$10,000 % %
$50,000 % %
24 Months $500 % %
$10,000 % %
$50,000 % %
36 Months $500 % %
$10,000 % %
$50,000 % %
48 Months $500 % %
$10,000 % %
$50,000 % %
60 Months $500 % %
$10,000 % %
$50,000 % %

Term Minimum Deposit Dividend Rate APY1
24 Months $500 % %
$10,000 % %
$50,000 % %
36 Months $500 % %
$10,000 % %
$50,000 % %


Visa® Credit Card

Maximize your cash flow and earn Augeo Rewards with the convenience of the CapEd Business Visa® Credit Card.

  • No annual fee
  • No balance transfer fee
  • Travelers' insurance

Business Relations

Did you know CapEd offers business services, too? We offer ACH origination, entitlements, business remote and mobile deposits, merchant services, and more! Discover what the Business Relations Experience team can do for your business today.

Disclosures

1 APY is Annual Percentage Yield. Rates are accurate as of the last dividend declaration date and may change after the account is opened. Fees or other conditions could reduce the earnings on the account.

2 Please refer to CapEd's Business Account Fee Schedule for a list of account fees.

3 APY is Annual Percentage Yield. Rates are accurate as of the effective date indicated. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.

Promotional rates are offered for a limited time.