Business Savings

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Business Savings	Business Money Market	Business Certificates of Deposit
Simple, interest bearing	Tiered interest rates	Fixed interest rates with 3-60 month terms
$500 minimum opening deposit	$1,000 minimum opening deposit	$1,000 minimum opening deposit
$5 monthly maintenance fee¹	$12 monthly maintenance fee¹	No monthly maintenance fee
No monthly maintenance fee when you meet one of the following requirements during the monthly account cycle: Maintain a daily minimum balance of $500 or more Combined average daily collected balance of $750 or more in related deposit balances² Business is enrolled in "Cash Manager Plus" or "Cash Manager Executive" Cash Management services³	No monthly maintenance fee when you meet the following requirement during the monthly account cycle: Average daily collected account balance of $3,000 or more
Transaction limitations: An excessive withdrawal fee (Excess Withdrawal) of $15 is charged for each withdrawal if there are more than six withdrawals or transfers per monthly account cycle. You may make unlimited withdrawals and transfers to your other Exchange Bank deposit accounts each monthly account cycle at any branch or at an Exchange Bank ATM.		Transaction limitations and penalties may apply. Speak with a banker for more information.

Public Funds savings, money market, and certificate of deposit products are also available. Speak with a banker for more information.

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ICS® or CDARS®

Additional FDIC Deposit Insurance

With ICS® or CDARS®, you can access multi-million-dollar FDIC protection on deposits placed in money market deposit accounts and CDs—all through Exchange Bank. To learn more, visit any branch or call 707.524.3000.

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Business Savings Rates

Interest Rates & Annual Percentage Yields (APYs) are effective as of: 9/18/2024

Business Savings & Public Funds Savings

Minimum balance to open: $500

Balance¹	Interest Rate¹	APY¹
All balances	0.10%	0.10%

Business Money Market & Public Funds Money Market

Minimum balance to open: $1,000

Balance¹	Interest Rate¹	APY¹
$9,999 or less	0.20%	0.20%
$10,000 - $49,999	0.30%	0.30%
$50,000 - $99,999	0.35%	0.35%
$100,000 - $249,999	0.70%	0.70%
$250,000 - $499,999	0.70%	0.70%
$500,000 - $999,999	0.75%	0.75%
$1,000,000 or more	0.75%	0.75%

¹We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account. New CDs with a balance of $5,000,000 or more require approval to open.

Certificates of Deposit (CDs)

Business CD - Promotional Offer³

Minimum balance to open: $1,000

Term	Balance¹	Interest Rate¹	APY¹
3 months	$99,999 or less	4.88%	5.00%
3 months	$100,000 or more	4.88%	5.00%
6 months	$99,999 or less	4.88%	5.00%
6 months	$100,000 or more	4.88%	5.00%
9 months	$99,999 or less	4.64%	4.75%
9 months	$100,000 or more	4.64%	4.75%
12 months	$99,999 or less	4.16%	4.25%
12 months	$100,000 or more	4.16%	4.25%
24 months	$99,999 or less	3.44%	3.50%
24 months	$100,000 or more	3.44%	3.50%

³Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for Business CD, excluding Business CD promotional offers. Advertised rate and APY are offered at the bank's discretion and may change daily.

Business CD & Specialized Business CD²

Minimum balance to open: $1,000

Term	Balance¹	Interest Rate¹	APY¹
3 – 5 months	$99,999 or less	3.00%	3.05%
3 – 5 months	$100,000 or more	3.01%	3.06%
6 – 11 months	$99,999 or less	3.00%	3.05%
6 – 11 months	$100,000 or more	3.01%	3.06%
12 – 17 months	$99,999 or less	3.00%	3.05%
12 – 17 months	$100,000 or more	3.01%	3.06%
18 – 23 months	$99,999 or less	3.00%	3.05%
18 – 23 months	$100,000 or more	3.01%	3.06%
24 – 35 months	$99,999 or less	0.40%	0.40%
24 – 35 months	$100,000 or more	0.41%	0.41%
36 – 47 months	$99,999 or less	0.40%	0.40%
36 – 47 months	$100,000 or more	0.41%	0.41%
48 – 59 months	$99,999 or less	0.40%	0.40%
48 – 59 months	$100,000 or more	0.41%	0.41%
60 months	$99,999 or less	0.45%	0.45%
60 months	$100,000 or more	0.46%	0.46%

Flex Business CD

Minimum balance to open: $100,000

Term	Balance¹	Interest Rate¹	APY¹
15 months *Renewals only	$99,999 or less*	2.49%	2.52%
15 months *Renewals only	$100,000 or more	2.50%	2.53%

Public Funds CD

Minimum balance to open: $1,000

Term	Balance¹	Interest Rate¹	APY¹
3 – 5 months	$99,999 or less	2.70%	2.74%
3 – 5 months	$100,000 or more	2.71%	2.75%
6 – 11 months	$99,999 or less	2.70%	2.74%
6 – 11 months	$100,000 or more	2.71%	2.75%
12 – 23 months	$99,999 or less	2.70%	2.74%
12 – 23 months	$100,000 or more	2.71%	2.75%

²Specialized Business CDs are limited to use for required holds for bonds or secured deposits payable to a public agency. The minimum deposit required to open is $0.01. For bond or court ordered purposes the account balance may not exceed $1,000.

Fees could reduce earnings. Rates and terms are subject to change. For more information call us at 707.524.3000 or 800.995.4066 or visit one of our branches.

Boost your business

Compare Savings Account Options

Business Savings

Business Money Market

Business Certificates of Deposit

Today’s Interest Rates

ICS® or CDARS®

Additional FDIC Deposit Insurance

Explore our offerings

Loans & Credit Lines

Credit Cards

Exiting Exchange Bank

Leaving Exchange Bank

Business Saving Disclosures

Business Savings Rates

Business Savings Rates

Business Savings & Public Funds Savings

Business Money Market & Public Funds Money Market

Business CD - Promotional Offer³

Business CD & Specialized Business CD²

Flex Business CD

Public Funds CD

ICS® or CDARS® Disclosures

Business Loans Disclosure

Boost your business

Compare Savings Account Options

Business Savings

Business Money Market

Business Certificates of Deposit

Today’s Interest Rates

ICS® or CDARS®

Additional FDIC Deposit Insurance

Explore our offerings

Loans & Credit Lines

Credit Cards

Business Savings Rates

Business Savings & Public Funds Savings

Business Money Market & Public Funds Money Market

Business CD - Promotional Offer3

Business CD & Specialized Business CD2

Flex Business CD

Public Funds CD

Business CD - Promotional Offer³

Business CD & Specialized Business CD²