Small Business Savings Accounts

You work hard for your business.

Our business savings options can make your money work hard for you.

Liquidity and cashflow are essential to the health of your business. Our business savings options offer a dedicated source of funds for your business. They are also a safe way to earn interest as you put away money each month to save for larger expenses like tax payments, major purchases, employee bonuses and more.

Find the right savings account to reach your goals

Business Savings

Your business needs a trusted partner to manage your savings. Our business savings account is designed for small business, helping you grow your savings while maintaining access to funds. Low balance requirements allow you to avoid monthly fees and start earning interest on any balance.

Preferred Money Market

The Preferred Money Market account is a business money market account that puts your money to work for you. You can earn a competitive premium interest rate so that your balance grows without you needing to shop around. The more you save, the more you earn.1

Certificate of Deposit

CDs help your business prepare for short-term and long-term goals with guaranteed fixed-rate returns. Available in a variety of term lengths, CDs are a risk-free investment option to help your money grow until you need it most. If you have excess funds that you don’t need to access for a specified length of time, you receive a higher rate.


Not sure which savings option is right for your business?

Our side-by-side feature chart will help you consider the details. 



Business Savings

Preferred Money Market 1, 2

Certificate of Deposit

Minimum deposit to open




Monthly service charge




Minimum daily balance to waive charge




Average collected balance to earn interest

All collected balances


All collected balances


3 free withdrawals per month, otherwise $3

6 free withdrawals per month, otherwise $15


Telephone Banking

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Online Banking Access

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*Federal regulations limit savings and money market accounts to six pre-authorized or electronic payments, withdrawals, or outgoing transfers per month. This includes account transfers or payments initiated by telephone, mobile banking and online banking, as well as automatic debits and transfers (such as automatic bill payments and overdraft protection services). See the Business Services Information Disclosure Schedule of Fees for more information. Accounts are subject to credit approval.

1 Eligible Checking Accounts for Preferred Money Market are limited to Preferred Business Checking, Essential Business Checking, and Interest Business Checking accounts that have a minimum of 5 client- initiated debit or credit transactions in the statement cycle. If you do not have one of the eligible checking account types or if your linked checking account does not meet the minimum number of transactions, your Preferred Money Market Account will earn the default interest rate and APY. Refer to the Business Services Information Disclosure Schedule of Fees for full details. 

2 Deposit up to 100 items to your account each month. After 100 items, there is a fee of $0.50 per item deposited. Items include deposited checks and deposit tickets. 

Hancock Whitney Bank, Member FDIC. All accounts subject to credit approval. Terms and conditions apply.