Business Savings & CDs

Saving is just good business

When you have funds to set aside, you want the best return possible. Let us help you find the right account for your needs.

Value Edge Money Market

Best suited for businesses with $1,000 or more to invest in a safe, federally insured account. 

  • 24-hour account access
  • Attractive money market interest rates
  • Access funds via check or debit card
  • Minimum opening deposit of $1,000
  • No monthly fee
  • Interest is paid monthly; click here for complete tiered rate information
  • A total of six (6) free withdrawals/checks per month¹; $25 per additional withdrawal

¹Value Edge Money Market accounts have transfer and withdrawal limitations; see account disclosure for additional information.

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Certificates of Deposit

Set it aside and watch it grow

Maximize your earnings securely and on your own time frame with a CD from UBT. You can choose how long you’d like to invest, how much, and how your interest is paid.

  • Terms range from 3 months to 5 years
  • Funds are accessible, but early withdrawals may be penalized
  • Interest can be paid quarterly or at maturity

CDARS Program

Make large cash deposits quickly and confidentially

If your business has more than $250,000 to invest and you want it insured under the FDIC, CDARS (the Certificate of Deposit Account Registry Service) can help.

  • Make a large deposit quickly and confidentially through UBT
  • Enjoy full FDIC insurance, up to $30 million
  • Work directly with UBT as your one trusted contact for your investments

 

Sweep Services

Maximize your money’s earning potential

Sweep services from UBT are a great way to move money into your higher-earning accounts automatically. Simply work with us to set a target balance for your account; then, at the end of each business day, our service “sweeps” the account for excess funds and ensures that money is invested or used to pay down debt.

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Frequently Asked Questions

Are there fees with Business Analysis Checking?

The fees associated with a Business Analysis Checking account include a monthly maintenance fee as well as checking activity charges for debits and credits.  

Basic Fees Include:

Maintenance Fee - $15 monthly fee.

Balance MGT fee - Calculated based on average positive account balance that is maintained.

Electronic Debits - $0.15 per item.

Electronic Credits - $0.20 per item.

Deposited Items - $0.10 per item.

Regular credits - $0.27 per item.

Return check items - $7.00 per item.

Paid check off of account - $0.17 per item.

Other fees may apply depending on additional products & services that may be utilized.

Contact a Treasury Management Services representative for complete details.

What is Business BillPay?

Business BillPay allows businesses the convenience of paying their bills electronically for a small monthly fee. 

  • Secure and offers a high level of control
  • Flexibility to pay virtually anyone, anytime, anywhere
  • Simply log in to Business Banking Online to access Business BillPay
  • Built-In Reporting to generate reports highlighting your Business BillPay activity. Your transactions will be itemized on your monthly checking account statement

Have Questions?

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