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Business Money Market

Deposit excess cash into this account to earn a competitive, tiered interest rate while maintaining limited access to funds. A low minimum balance is required each month to avoid a small monthly fee.* Corporations/LLC, Partnerships/LLP, Sole Proprietor/DBA and Non Profit organizations can utilize this savings option.

  • A variable interest rate is paid on balances maintained
  • Higher balances earn higher rates
  • Provides liquidity
  • No more than 6 electronic or 3rd party transactions per statement cycle allowed**
  • Minimum opening balance of $100

*$6 monthly maintenance service charge, waived with a minimum daily balance of $500
**Transfers from a Money Market Savings account to another account or to third parties are limited under Federal law to no more than six (6) per statement cycle. This limit includes those conducted by 24 Hour Telephone transfers, bankESB Online Business Banking, checks, POS transactions, overdraft protection transfers, ACH transactions, online bill payments and online transfers.

Business 7-Day CD

Instead of committing to a longer term, invest funds for a period of seven days. Your money will remain highly liquid, as deposits and withdrawals are allowed weekly, but you can still benefit from a competitive interest rate. This account is suitable for Corporations/LLC, Partnerships/LLP, Sole Proprietor/DBA and Non Profit organizations.

  • Excellent liquidity with a competitive interest rate
  • Every seven days you can make deposits, make withdrawals* or simply let it roll over for another seven days.
  • Interest rate subject to change every seven days
  • Minimum opening and deposit balance of $1,000

*Substantial penalty for early withdrawal.

Term Certificates

Diversify your portfolio with term certificate options that deliver a guaranteed rate of return. When your certificate matures, you can access the money for business expenses or reinvest to continue building your savings.

  • 6 month to 5 year terms
  • Competitive interest rates
  • Interest rate subject to change when term is complete
  • Minimum opening and deposit balance of $1,000

Minimum daily balance to earn the annual percentage yield (APY) is $0.01. Substantial penalty for early withdrawal.

Retirement Accounts (SEP)

Set aside money in a retirement account for yourself and or your employees with a Simplified Employee Pension* (SEP). Two options are available for businesses.

  • Annual contributions of up to 25% of eligible earned or net income*
  • Maximum contribution of up to $56,000*
  • Tax deductible expense*

*Certain restrictions may apply. Consult your tax advisor. Substantial penalty for early withdrawal.

  • Discretionary annual contributions made by employer up to 25% of compensation*
  • In any year an employer contribution is made, all eligible employees must receive a non-discriminatory contribution
  • Tax deductible expense*

*Certain restrictions may apply. Consult your tax advisor. Substantial penalty for early withdrawal.

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