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 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 lets you earn interest over time. To help you reach your savings goals, we offer competitive-rate CDs with maturities ranging from 90 days to five years.
What is the IntraFi Network?
The IntraFi Network is a shared network linking financial institutions of all sizes, giving depositors the ability to place funds at multiple banks. This ensures maximum FDIC insurance coverage, all through one single relationship with us. When we place your deposit into the network, it’s divided into amounts under the FDIC insurance maximum of $250,000 and places into multiple FDIC-insured banks.
That means you get the benefit of banking with many institutions without leaving the one you trust. All account openings stay right here with your Ciera relationships — no juggling multiple banks, no manually reconciling statements and interest disbursements every quarter. Less paperwork, especially at tax time, and more time back for running your business.
Skip the extra hassle, keep the peace of mind.
Learn more about how IntraFi works:
Growing? Let’s talk about what’s next.
Whether it’s Treasury Management tools to simplify your operations or a loan to fund your next move, we’re already in your corner. Let’s figure out what’s next, together.