High-Yield Business Checking
Introducing our high-yield, 3.5% APY†† business checking* account, powered by FNBO. We’re reimagining business banking to give you everything you need to manage, optimize, and protect your cash and working capital.
*Centime is a financial technology company, not a bank.
*Centime deposit accounts and banking solutions are provided by FNBO. Member FDIC.
Earn more than 10x the national average§ with our high-yield business checking account
Put your cash to work with Centime Checking Plus*, now offering a powerful 3.5% APY††. Enjoy unlimited transactions and the freedom from restrictions typical of other high-yield accounts. Earn interest on the cash you're collecting faster with Centime AR or payments in transit with Centime AP.
§ National Rate referenced is from the FDIC’s published monthly National Rates and Rate Caps information for Checking deposit products, as of August 19, 2024. Visit the FDIC website for more details.
How much can you earn with a high-yield business checking account with 3.5% APY++?
Account Balance
Calculator is for illustration only, rounded to the nearest dollar, and assumes that you earn 3.5% APY++ and maintain your account balance selected above for an entire year. APY is subject to change at any time without notice.
Protect your deposits with multi-million dollar FDIC coverage
3 out of 4 CFOs say they want to diversify their deposits to mitigate the risk of bank failure and protect their deposits beyond the $250,000 FDIC coverage limits. But manually diversifying across multiple banks can be inconvenient and unwieldy.
Centime Checking Plus* automatically diversifies your deposits over $250,000 to provide multi-million dollar FDIC coverage. Protect your funds without the inconvenience of opening and managing new accounts and banking relationships.
Go Beyond the $250,000 FDIC Coverage Limits
Centime Checking Plus* automatically diversifies your deposit base across a network of several thousand FDIC-insured banks** for maximum coverage.
Get Better Line-of-Sight Across All Your Accounts
View aggregated and individual balances and transactions across all your banking relationships from a single dashboard, and transfer funds with ease.
Modern banking powered by a financial institution trusted for over 165 years
Centime Banking is the first and only solution that brings together everything you need to get better line of sight across all your cash accounts, combined with a high yield, enhanced FDIC coverage, fraud protection, and more.
We’ve partnered with FNBO, Member FDIC, to combine a modern online banking experience that’s easy and convenient to administer, backed by the stability of a trusted financial institution. As one of the largest privately held banks in the country, FNBO has been innovating, empowering customers, and helping them protect and grow their businesses for more than 165 years.
Maximize Your Earnings with High-Yield Returns
Let your money work as hard as you do. Centime Checking Plus* offers high-yield interest rates so you can maximize your business potential.
Easily Transfer Across Banks and Accounts
Freely transfer cash between accounts and across any banks. Avoid costly wire fees and tedious bank-specific procedures.
Take control of your accounts with a single integrated multi-banking dashboard
Centime Banking brings all your bank accounts into a single dashboard for complete line-of-sight across all your cash. Take total financial control with an aggregated view of all your accounts and FI relationships.
With cross-bank account transfers, you can freely transfer cash between accounts and across any banks. Avoid costly wire fees and tedious bank-specific procedures.
Get next-level protection for your funds†
Electronic payment fraud poses a risk to businesses of all sizes, and a recent survey found that as many as 2 out of 3 businesses have been the victims of actual or attempted fraud in the last 12 months.
That's why Centime offers protection to users' deposits from electronic payment fraud, offering coverage of up to $100,000 per incident, and subject to coverage limitations and terms†.
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††3.5% Annual Percentage Yield (APY) as of 11/19/24. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.