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Small Business Savings Accounts

Put excess business funds to work, with simple savings options designed to make your money work harder.

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Savings
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Business CDs

Small Business Savings

The perfect solution for businesses with extra cash in their checking accounts, a Comerica business savings account gives you the peace of mind that comes from knowing your business’ money is always hard at work1.

Overview

Enjoy the ability to earn interest on idle funds, while keeping a low minimum balance – with convenient 24/7 access to funds through any Comerica ATM.

Ideal for:

Businesses that keep a balance of at least $500.

Features & perks
  • Get a competitive interest rate
  • Keep a low minimum balance
  • Easily access savings through ATMs
  • Enjoy secure online access to check balances and transfer funds

Rates

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Fees

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Small Business CDs

Got a little time? Lock in a higher rate than savings alone, with a Comerica fixed-rate or flexible-rate CD.

Fixed-Rate CD

This powerful tool boosts your business finances by locking in an interest rate over a specified period of time. Growing your wealth is simple, with a Comerica fixed-rate CD.

  • Locked in at stable interest rates – so the more you save, the more you earn
  • Interest is paid or compounded monthly3,4 (for CDs with a term of 7 to 29 days, interest is compounded and paid at maturity)
  • Account automatically renews5 with the current market interest rate at maturity

Rates

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Flexible-Rate CD

Get more from your money and save as you go, with a Comerica flexible-rate CD. This flexible solution is designed to help you add earning power to your savings.

  • Make additional deposits of $100 (minimum) at any time
  • A one-time withdrawal of up to 50% of the principal balance may be made without an early withdrawal penalty6,7
  • Balances before CD maturity may be used to meet the monthly minimum to waive maintenance fees on certain personal checking accounts8
  • Interest is paid or compounded monthly3,4 (for CDs with a term of 7 to 29 days, interest is compounded and paid at maturity)
  • Account automatically renews5 with the current market interest rate at maturity

Rates

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Small Business Insights

Go further with Comerica.

As a small business owner, you have big decisions to make when it comes to growing your business the right way. That’s why you need a partner you can trust. Learn how our experienced advisors can help your business conquer challenges and thrive.

Find a Comerica banking center near you to get started.

Account Documents, Tools & Resources

BUSINESS SAVINGS DISCLOSURES:

Minimum Daily Balance to Obtain APY $1 & over. Minimum Opening Deposit: $50.00. Activity Fees will apply to each credit or debit transaction exceeding 6 items during the month; a monthly Account Maintenance Fee will be applied to the account. Monthly Account Maintenance Fee will be waived if an average Monthly Ledger Balance of $500 or more is maintained. Ledger Balance is the balance in your account that reflects posted transactions, which include deposits, credits, withdrawals and other debits. Transactions include debits and credits. Other fees will apply.

1 Refer to the Business Account Summary Brochure and Business and Personal Deposit Account Contract for more information.

CD DISCLOSURES:

3 Minimum balance required to receive monthly interest payments by check is $5,000. No compounding will occur if interest is not paid into the CD.

4 A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

5 At account maturity there is a grace period to make changes to the account. For account terms of less than 30 days, a 3-day grace period to close the account; for account terms of 30 days or more, a 10-day grace period to close the account.

6 A one-time withdrawal of up to 50% of the account balance, any time after 7 days of the account opening or additional deposit, but before maturity, is allowed without incurring a bank penalty.

7 Fee/penalties could reduce earnings and principal balance on the account.

8 Your CD balances may be used to meet the monthly minimum for waiver of maintenance and other related fees on your Comerica personal checking account. For more information please refer to the Personal Services and Charges Brochure.

† Interest on CD terms of 7-29 days is paid at maturity. A penalty may be imposed for early withdrawal.

†† A penalty may be imposed for early withdrawal.