Business Savings

Put idle cash to work with member-rate business savings — competitive APY, FDIC insurance, and the liquidity to fund your next move.

Member-Rate APY Liquidity FDIC-Insured

Features

Make your reserves earn.

High-yield savings built for business.

Member-Rate APY

Earn a competitive yield on operating reserves and working capital.

Liquidity When You Need It

Move funds to checking quickly to fund payroll, inventory, or growth.

FDIC-Insured

Business savings protected up to applicable FDIC limits.

MyRMO Business

Manage savings alongside checking with role-based access.

Products & Rates

Compare business savings.

View RMO business savings APYs and see how they compare to Bluevine, Axos, and Live Oak.

View Business Savings →

See how RMO compares:

vs. Bluevine → vs. Axos → vs. Live Oak →

Learn

New to banking with RMO?

Our plain-English banking guides explain how to choose an account, how FDIC insurance works, savings vs. CDs, avoiding fees, and more.

Read the Banking Guides →

FAQ

Frequently asked questions

How is the business savings APY set?

It's a member-rate yield set to stay competitive with leading business savings accounts. Current rates are on the products page.

Should I use savings, a CD, or a money market account?

Savings keeps reserves liquid; a business CD locks a fixed rate for a term; a business money market account blends yield with access. See Best CDs & Money Market for a comparison.

Are business savings FDIC-insured?

Yes, up to applicable FDIC limits.

Support

How can we help?

We're here whenever you need us.

FAQs

Find answers to common questions about accounts, fees, and services.

Talk to Us

Reach our member services team by phone, email, or chat for personalized help.

Visit Us

Find a retail center near you for in-person service, appointments, and support.

FDIC Insurance. RMO Bank deposit accounts are FDIC-insured up to applicable limits ($250,000 per depositor, per insured bank, per ownership category). APYs and fees are accurate as of the date shown on each product page and are subject to change without notice. Fees may reduce earnings. Check-cashing and currency-exchange services are offered through RMO Financial and are not deposit products. See the applicable account agreement, rate sheet, and fee schedule for full terms, conditions, and any transaction limits.

Disclosure. This page is general educational information. Deposit accounts and banking services are offered through RMO Bank. RMO Bank deposit accounts — checking, savings, money market, and certificates of deposit — are insured by the FDIC up to the maximum amount permitted by law. Account terms, fees, and rates are disclosed in the applicable account agreement and fee schedule, which govern.