Business Money Market Accounts
Maximize Your Business Savings Without Losing Access
Running a business means constantly juggling priorities—payroll, taxes, growth, and unexpected expenses. That’s why our Business Money Market Account is designed to help small business owners like you earn more on your savings while keeping your money easily accessible when you need it most.
Whether you’re a startup setting aside reserves, a consultant planning for quarterly taxes, or a growing practice prepping for expansion, this account works hard for you—without locking up your cash or drowning you in fees.
A Smarter Way to Save for Small Business Owners Who Need Flexibility
Compare Business Money Market Account Rates
Our Business Money Market Accounts are designed to help you earn more—without adding more to your to-do list. With the convenience of digital transfers, ACH capabilities, and built-in BillPay access, managing your business finances is easier than ever.
| Account Type | Interest Rate | Annual Percentage Yield |
|---|---|---|
| Tier 1 ($0.00 – $999.99) | 1.95% | 2.00% |
| Tier 2 ($1,000.00 – $2,499.99) | 1.95% | 2.00% |
| Tier 3 ($2,500 – $99,999.99) | 1.95% | 2.00% |
| Tier 4 ($100,000.00 and higher) | 2.00% | 2.05% |
Minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Tier 4 rates require an active and in good standing commercial checking account with 5 transactions a statement cycle. Transactions defined as combined deposit or debit transactions. Rates are variable and subject to change.
Why Business Owners Choose Quaint Oak’s Business Money Market Accounts
Earn More with Tiered Interest Rates
Earn more with rates that increase as your balance grows. Perfect for businesses that want their idle funds to generate returns.
Access Your Money Without Penalty
No more choosing between growth and liquidity. Enjoy ACH, BillPay, and online transfers that keep your cash flowing when you need it.
Low Minimum to Get Started
Start saving with just $25 to open. No high minimums. No hidden catches. Just smart banking for smart business owners.
Made for Everyday Business Realities
This account supports real-world needs like payroll, emergency reserves, tax prep, and cash flow planning—with room to grow.
What Makes This Different from a Regular Business Savings Account?
- Higher Interest Rates – Get rewarded for higher balances
- More Access – Move funds in and out as needed
- Smarter Growth Strategy – Ideal for planning, not just stashing cash
If you’ve been researching something like “how to find the best small business money market near me” or wondering “how to start earning interest without losing access to my funds,” we are here to help.
How to Open Your Business Money Market Account with Quaint Oak Bank
- Submit a Request: Use the form below to submit your business details and a member of our team will contact you to complete the process.
- Connect with a Relationship Banker: We’ll personally guide you through the final steps and help you make the most of your savings.
- Get Expert Support + Real Results: From reserve strategy to daily access, you’ll have a dedicated advisor helping you structure savings around your business goals.
Make Your Money Work as Hard as You Do with a Business Money Market Account
At Quaint Oak Bank, we help your business grow without sacrificing control. You’ve worked hard for your money—let it work for you. Let’s get started.
Begin opening your account by submitting the form below to contact a member of our business banking team.
A Business Money Market is Perfect for Businesses That:
- Need to keep funds liquid.
- Want to earn interest without tying up cash in long-term CDs.
- Prefer a local, relationship-based bank over a big-box institution.
- Value online banking—but still want a real person to talk to.
Are you ready to open your business money market account? Tell us in the form, and we will help you get started today.
Do you have more questions? Submit the form and a Quaint Oak Bank relationship manager will reach out to answer your questions.
All Rates are Effective 05/11/2025
Open a Business Money Market Account Today
Frequently Asked Questions about Business Money Market Accounts
Is there a penalty for withdrawing funds?
No penalties, but transaction limits may apply. We’ll work with you to tailor the setup to your business needs.
How is interest calculated?
Interest is compounded daily and credited monthly. Once your balance hits a new tier, the full balance earns that rate.
What do I need to qualify for Tier 4?
An active Quaint Oak commercial checking account and at least 5 transactions per cycle.
Are there fees if my balance dips below the minimum?
Standard business account fees may apply if you drop below the required threshold.
How do I apply and open an account?
Begin the process by submitting the form to request to open an account with one of our experienced team members today.