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Take advantage of saving without paying monthly service fees.
CDs automatically renew at maturity. You can make changes or withdraw funds during the grace period.
with low- or no-cost ACH origination and waived fees for qualifying wire transfers
and get savings on remote check deposit services
with discounted fraud protection services
A business CD is a deposit account that allows you to earn interest at a fixed rate for a defined period of time, known as the CD term. Interest can be paid monthly or at maturity, depending on the CD term.
All business CDs involve a fixed deposit made at the beginning of the CD’s term. With a CD, you cannot make any other deposits or withdrawals from the CD without penalty until it reaches maturity, which is the end of the CD’s term. While your business funds are deposited in the CD, Citibank will pay interest in the form of electronic payments or checks.
CitiBusiness® CDs offer competitive interest rates—typically higher than a traditional savings account—with a relatively low amount of risk. They also offer a variety of term lengths, so you can choose a timeline that works best for growing your business savings.
CitiBusiness® CDs are FDIC-insured for up to the maximum amount allowed by law or applicable limits.
To open a CitiBusiness® CD, you’ll need to visit a Citibank branch and provide one form of a government-issued ID and a business formation document. You may also need to provide information about your business, such as the name, taxpayer identification number, transaction activity and number of employees.
The minimum amount you can deposit into a CitiBusiness® Certificate of Deposit varies by term and market3. Speak with a Citibank Business Specialist for information regarding the current maximum business CD deposit amount.
When your CitiBusiness® CD matures, you can withdraw your initial deposit plus interest, make an additional deposit, or move the funds to a CD with a different term length during the grace period. Your CitiBusiness CD will renew automatically at the same term length at the then-current rate unless a change is requested.
Deposit accounts are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.
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