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TBK Bank Business Savings — Tiered APY Accounts for Texas Companies

TBK Bank Business Savings grows operating reserves with tiered APY that increases as balances grow. Choose Business Savings for traditional tiered-APY reserves, Business Money Market for premium yield with limited check-writing, or Business CDs to lock funds for planned expansions and retained earnings. Every product is FDIC insured up to $250,000 per depositor per ownership category and pairs with TBK Bank Business Checking through TBK Bank online banking.

Texas small businesses and mid-market companies use TBK Bank Business Savings for tax reserves, payroll float, capital expenditure planning, and contingency funds. Deposits earn interest that accrues daily and compounds monthly. The bank is regulated by the Office of the Comptroller of the Currency and holds NMLS registration for commercial operations. Reach business banking at +1-877-482-2265 Monday through Saturday.

Open Business Savings Business Checking
TBK Bank business savings dashboard showing tiered APY balance, money market transfers, and CD maturity schedule

TBK Bank Business Savings Snapshot — April 2026

  • Business Savings: $100 opening deposit, tiered APY, unlimited electronic transfers to Business Checking
  • Business Money Market: $10,000 opening, premium tiered APY, up to 6 checks per statement cycle
  • Business CDs: $1,000 minimum, fixed APY, terms from 3 months through 60 months
  • Interest accrues daily and compounds monthly on Business Savings and Business Money Market
  • Pairs with Business Checking through online banking for same-day internal transfers
  • FDIC insured up to $250,000 per depositor per ownership category across all business products
  • Business banking phone: +1-877-482-2265. Branches across Texas, Colorado, Iowa, Illinois, Kansas, New Mexico

Three Business Savings Products for Different Cash Horizons

Match operating reserves, near-term liquidity, and long-horizon capital to the right TBK Bank Business Savings product.

Business Savings

Traditional tiered-APY account with $100 opening deposit. Unlimited electronic transfers to TBK Bank Business Checking make this a flexible spot for tax reserves, payroll float, and contingency funds. Interest accrues daily and compounds monthly. Ideal for small businesses building their first reserve cushion.

Business Money Market

Premium tiered-APY account with $10,000 opening deposit. Typically 50 to 150 basis points above Business Savings at the same tier. Up to 6 check-style withdrawals per cycle — useful for paying quarterly estimated taxes directly. Fits growing companies with reserves of $25K to $500K that want yield plus same-day liquidity.

Business CDs

Fixed-APY CDs with $1,000 minimum and terms from 3 to 60 months. Rate locks at opening and holds through maturity. Best for capital set aside for planned expansions, tax payments, or retained earnings that will not be touched. Interest pays to a linked account or compounds back into the CD.

How Texas Businesses Use TBK Bank Business Savings

Cash strategies for Texas SMBs — from first tax reserves through multi-tier capital stacks for mid-market companies.

Business owner reviewing TBK Bank Business Money Market balance and tiered APY ladder on tablet

Tiered APY That Rewards Growing Balances

Tiered APY means the interest rate increases as the daily collected balance grows. Business Savings and Business Money Market use balance brackets — $0 to $9,999.99 at the base rate, $10,000 to $49,999.99 at a mid tier, $50,000 to $249,999.99 at a higher tier, and $250,000 plus at the top tier. The entire balance earns at the corresponding tier rate. Interest accrues daily on the collected balance and compounds monthly to the account on the statement cycle date.

For a Texas business that moves from $25,000 to $150,000 in savings over eighteen months, tiered APY meaningfully lifts yield without any change to the underlying product. Rates update weekly on the TBK Bank rate sheet, and online banking shows the current APY, year-to-date interest earned, and projected interest at today's tier. Every deposit is FDIC insured — see the FDIC for the full ownership category schedule.

Pair with Business Checking
TBK Bank Business CD maturity calendar showing 3, 12, 24, and 60 month ladder strategy

Business CDs and Laddered Maturity Strategies

Business CDs lock funds at a fixed APY for a defined term — 3, 6, 12, 18, 24, 36, 48, or 60 months. The APY sets at opening and does not change through maturity. Shorter terms usually pay simple interest at maturity; longer terms compound monthly or quarterly and pay out to a linked account or back into the CD. Early-withdrawal penalties scale with term length — 90 days of interest on short terms, 365 days of interest on longer terms.

Many Texas businesses build a CD ladder — equal amounts rolling into 3-month, 12-month, 24-month, and 60-month CDs — to blend liquidity with higher long-term yield. As the 3-month CD matures, it either funds immediate needs or reinvests into a new 60-month CD at the back of the ladder. Auto-renewal handles the roll automatically with a 10-day grace period for written changes. Deposits stay FDIC insured up to $250,000 per depositor per ownership category.

Discuss a CD Ladder

TBK Bank Business Savings Comparison

Opening deposits, APY structure, access features, and best-fit use cases for Business Savings, Business Money Market, and Business CDs.

ProductOpening DepositAPY StructureCheck-WritingElectronic TransfersBest Use Case
Business Savings$100Tiered (daily)NoneUnlimited to linked checkingTax reserves, payroll float
Business Money Market$10,000Tiered premiumUp to 6 / cycleLimited (Reg D retained)Quarterly estimates, CapEx pool
3-Month Business CD$1,000Fixed APYNoneAt maturity onlyShort-term idle cash
12-Month Business CD$1,000Fixed APYNoneAt maturity onlyAnnual tax planning
24-Month Business CD$1,000Fixed APYNoneAt maturity onlyEquipment purchase fund
60-Month Business CD$1,000Fixed APY (highest)NoneAt maturity onlyLong-horizon retained earnings

All business deposits FDIC insured up to $250,000 per depositor per ownership category. CD early-withdrawal penalties apply. Business planning guidance available from the SBA.

Security and Oversight on Business Savings

Business savings balances often hold months of reserves. TBK Bank layers FDIC insurance, regulatory oversight, and online banking controls to protect every dollar.

FDIC Insurance and Deposit Structuring

Every TBK Bank Business Savings, Business Money Market, and Business CD deposit is FDIC insured up to $250,000 per depositor per ownership category. Businesses with reserves above $250,000 can extend coverage through multiple ownership categories, affiliated entities with separate EINs, or IntraFi deposit placement networks that spread funds across multiple insured institutions while keeping a single-bank interface. A commercial banker reviews your deposit structure at no cost — call +1-877-482-2265. Learn more at the FDIC resource pages on business deposit insurance coverage.

Multi-User Access and Audit Trails

Business Savings integrates with TBK Bank online banking and the mobile app. Multi-user roles let owners grant view-only access to bookkeepers who reconcile statements, approver rights to controllers who move funds between operating and reserve accounts, and full administrator access limited to authorized signers. Every transfer, deposit, and login carries a device fingerprint, IP address, and timestamp retained for seven years — an audit trail aligned with OCC community bank supervisory expectations.

Texas Owners on TBK Bank Business Savings

How growing Texas companies build reserves, plan for tax payments, and ladder CDs through TBK Bank.

"Business Money Market became our quarterly estimated tax account. We move a percentage of every deposit over to Money Market, earn tiered APY, and write the IRS check directly four times a year. Clean process, measurable yield."

Kevin Adams — Owner, Dallas Engineering Consultancy

"We built a four-rung CD ladder — 3, 12, 24, and 60 months — for retained earnings we were not going to touch for at least a year. The online banking view shows maturity dates, so the auto-renewal decision is never a surprise."

Patricia Lopez — CFO, Austin Medical Practice

"Our TBK banker reviewed the deposit structure when our reserves crossed $250K. IntraFi placement kept everything FDIC insured across multiple institutions while we kept one online banking login. Textbook community bank service."

James Ortega — Owner, Houston Specialty Manufacturing

Open TBK Bank Business Savings Today

Grow operating reserves, park quarterly tax money, and ladder CDs with TBK Bank Business Savings. Open Business Savings ($100 opening), Business Money Market ($10,000 opening), or a Business CD ($1,000 minimum, 3 to 60 months) online in about 15 minutes with EIN, business formation documents, and beneficial ownership information. Call business banking at +1-877-482-2265 to review tiered APY, CD ladder strategies, or deposit structuring for balances above $250,000. Over 40 years of Texas community banking stand behind every business deposit. TBK Bank works with sole proprietors, LLCs, S-corporations, C-corporations, partnerships, and nonprofits — so whether you are setting aside a first emergency fund or laddering seven-figure retained earnings, Business Savings scales from startup through mid-market operations across Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico.

Open Business Savings Treasury Services

Frequently Asked Questions About TBK Bank Business Savings

Answers about tiered APY, Business Money Market access, CD terms, early withdrawal, and FDIC insurance on business deposits.

What TBK Bank Business Savings options are available?

Three products: Business Savings ($100 opening, tiered APY), Business Money Market ($10,000 opening, premium tiered APY, 6 checks/cycle), and Business CDs ($1,000 minimum, 3–60 months, fixed APY). Pair with Business Checking for same-day internal transfers.

How does tiered APY work?

Tiered APY increases with balance. Typical brackets: $0–$9,999.99 (base), $10K–$49,999.99 (mid), $50K–$249,999.99 (higher), $250K+ (top). Interest accrues daily, compounds monthly. The full balance earns at the corresponding tier rate. Rates update weekly — see the TBK Bank rate sheet.

What is the difference between Business Money Market and Business Savings?

Money Market needs $10K opening vs $100; pays premium APY (typically 50–150 bps higher); allows up to 6 checks per cycle. Business Savings has no check-writing but unlimited electronic transfers to linked Business Checking. Both include online banking and FDIC insurance.

Can a business open a CD at TBK Bank?

Yes. $1,000 minimum. Terms: 3, 6, 12, 18, 24, 36, 48, 60 months. Fixed APY locked at opening. Early-withdrawal penalties scale with term (90–365 days of interest). Auto-renews at maturity with 10-day grace period. Call +1-877-482-2265.

Are Business Savings deposits FDIC insured?

Yes — insured up to $250,000 per depositor per ownership category. Businesses over $250K can extend coverage through ownership categories or IntraFi placement networks. Review your structure with a TBK commercial banker at +1-877-482-2265.