Put your money to work with interest-earning accounts built for businesses. We offer savings solutions to support your goals.
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We’re your one-stop bank for the options, tools and resources you’ll need at every stage of your business’ growth. Safeguard, oversee, grow and get access to your funds whenever you need them.
| Feature | Commercial Savings | Commercial Money Market | Moody Community Money Market | Moody Commerce Money Market |
|---|---|---|---|---|
| Minimum Opening Balance | $250 | $2,500 | $250,000 | $250,000 |
| Minimum Balance Required | $250¹ | $2,500¹ | $250,000¹ | $250,000¹ |
| Monthly Service Charge | $5² | $10² | $0 | $0 |
| Interest Bearing Account | ✓ | ✓ | ✓ | ✓ |
| E-Statement | ✓ | ✓ | ✓ | ✓ |
| Online Banking | ✓ | ✓ | ✓ | ✓ |
| Mobile Banking³ | ✓ | ✓ | ✓ | ✓ |
| Free Transactions per Month | 6 free pre-authorized or 3rd-party transfers per month | 6 free pre-authorized or 3rd-party transfers per month | 6 free pre-authorized or 3rd-party transfers per month | 6 free pre-authorized or 3rd-party transfers per month |
Moody Bank offers four business savings products: Commercial Savings (open with $250, $5/month), Commercial Money Market (open with $2,500, $10/month), Moody Community Money Market (open with $250,000, no monthly fee), and Moody Commerce Money Market (open with $250,000, no monthly fee). All accounts are interest-bearing. View Business Savings Options
Yes — both the Moody Community Money Market and Moody Commerce Money Market accounts carry no monthly service charge. Each requires a $250,000 minimum opening balance, making them ideal for established Texas businesses and organizations holding large cash reserves.
Minimum opening deposits vary by account: $250 for Commercial Savings, $2,500 for Commercial Money Market, and $250,000 for both the Moody Community Money Market and Moody Commerce Money Market. Each account requires a minimum balance to earn the stated annual percentage yield.
All Moody Bank business savings accounts allow 6 free pre-authorized or third-party transfers per month. This applies to all four account types — Commercial Savings, Commercial Money Market, Moody Community Money Market, and Moody Commerce Money Market.
Standard mobile deposit limits are $3,500 per day or $7,000 per month, with a maximum of 10 deposits per month. Businesses needing higher limits can request an increase through Moody Bank's Treasury Solutions team. Learn About Treasury Solutions
Both the Moody Community Money Market and Moody Commerce Money Market require a $250,000 opening balance and carry no monthly service charge. The Moody Community Money Market is positioned for community-focused organizations, while the Moody Commerce Money Market is designed for high-volume commercial clients. Contact Moody Bank at 855.259.8075 for a detailed rate and feature comparison.
Yes — all four Moody Bank business savings accounts are interest-bearing. A minimum balance is required to receive the stated annual percentage yield. For current rates, contact Moody Bank at 855.259.8075 or visit a Houston, Galveston, or Austin branch.
Yes. Moody Bank business savings accounts are FDIC insured up to $35 million, providing Texas businesses with exceptional security for operating reserves and surplus cash — far above the standard FDIC coverage limit.
Yes — all Moody Bank business savings accounts include online banking, mobile banking, and e-statements. Business owners can monitor balances, review transactions, and access account details from anywhere, 24/7.
The Commercial Money Market account at Moody Bank requires a $2,500 opening balance and charges $10 per month. It is an interest-bearing account that includes online banking, mobile banking, e-statements, and 6 free pre-authorized transfers per month — a flexible option for businesses that want to earn interest while keeping funds readily accessible. View Business Savings
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