FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Business Checking
From cash flow management to more complex transactions, we have checking account options to suit your unique business needs.
| Product | Minimum to Open | Monthly Service Fee | Statement Options | Interest Bearing | Interest Calculation |
|---|---|---|---|---|---|
| CIERA SMALL BUSINESS
Designed with your small business in mind, this account features a low minimum to open and low monthly service fee. Write up to 150 checks per month at no charge and $0.30 thereafter. |
$100 | $10 per month, if daily balance falls below $1,000 | Electronic or Paper | No | N/A |
| CIERA COMMERCIAL
This account offers a low minimum to open, low monthly service fee, and unlimited check writing. |
$100 | $15; Earnings credit based on daily Federal Funds rate | Electronic or Paper | No | Based on Account Analysis |
| CIERA COMMERCIAL PLATINUM
Earn interest on the funds in your checking account. Write up to 25 checks per month and $0.30 thereafter. |
$25,000 | $25 per month, if daily balance falls below $25,000 | Electronic or Paper | Yes | Compounded Daily Credited Monthly |
Business Savings
Earn interest on revenues while maintaining access to operating resources when you need it. You can make up to six withdrawals per statement cycle¹.
| Product | Minimum to Open | Monthly Service Fee | Statement Options | Interest Bearing | Interest Calculation |
|---|---|---|---|---|---|
| CIERA SAVINGS
Keep your savings separate from your operating expenses and earn interest on your funds. |
$100 | $10 per month, if daily balance falls below $100 | Electronic or Paper | Yes | Compounded Daily Credited Monthly |
| CIERA MONEY MARKET SAVINGS
Earn higher interest on your savings while maintaining easy access to your funds. |
$100 | $10 | Electronic or Paper | Yes | Compounded Daily Credited Monthly |
1. A $5 Excessive Transaction Fee applies to each withdrawal over six during the statement cycle.
Certificate of Deposit
CDs are an FDIC-insured, low-risk savings option that allows you to earn interest over a particular period of time. To help you achieve your savings goals, we offer competitive rate CDs with maturities that range from 90 days to five years.
Business IntraFi
What is the IntraFi Network?
The IntraFi Network is a shared network linking financial institutions of all sizes, allowing depositors the ability to place money at multiple banks, ensuring maximum FDIC insurance coverage all through one single banking relationship. When a member institution places your deposit into the network, the deposits are divided into amounts under the FDIC insurance maximum of $250,000 and then placed into multiple FDIC insured banks.
The IntraFi Network allows you to utilize your existing Ciera Bank relationship for all accounting openings and management. This eliminates the hassle of having to open accounts at different banks or in different insurable capacities, as well as the need to manually consolidate account statements and interest disbursements on a recurring basis. This reduces administrative burdens, especially during tax and financial reporting seasons, and frees up valuable time.
So you can skip the extra paperwork while enjoying the peace of mind associated with access to this level of FDIC insurance coverage.