Business Tiered Interest Checking

Our Business Tiered Interest Checking account is perfect for businesses that want to earn interest on the funds in their business checking account—the more money in the account, the more interest you can earn.

Business Tiered Interest Checking Features

  • Earn interest based on amount in each tier—view the rate chart below for details
    (see rate chart below for more details)
  • Free digital account tools allow you to easily move funds between your accounts

Account Perks

Earn more interest the higher your balance and enjoy perks like a certain number of free transactions, free mobile check deposit, and a free business Debit MasterCard®

  • Maintenance and Fees
    $50.00 monthly fee waived for maintaining a minimum daily balance of $25,000.001
  • FDIC & DIF Insurance
    All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000.00 per depositor, with the excess over $250,000.00 insured by the DIF
  • Minimum Opening Deposit
    $25,000.00
  • Interest Earning
    Yes

Business Tiered Interest Checking Rates

Effective as of 08/29/2025

TierAnnual Percentage Yield (APY)2Notes
$10.01 – $25,000.000.01%Interest rate paid on the daily balance of the first $10.01 up to and including $25,000.00
$25,000.01 – $50,000.000.25%Interest rate paid on the daily balance of the next $25,000.01 to $50,000.00
$50,000.01 – $75,000.000.50%Interest rate paid on the daily balance of the next $50,000.01 to $75,000.00
$75,000.01 – $100,000.000.75%Interest rate paid on the daily balance of the next $75,000.01 to $100,000.00
$100,000.01 – $125,000.001.00%Interest rate paid on the daily balance of the next $100,000.01 to $125,000.00
$125,000.01 or Greater1.00%Interest rate paid on the daily balance of the next $125,000.01 or more

Let’s get started!

Visit one of our branches to get started.

Open at a Branch

1Maintain a minimum daily balance of $25,000.00, and we’ll waive the $50.00 monthly service charge

2Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest is calculated and accrued on the account each day based on the amounts in each balance tier and the appropriate interest rate at the end of the day. Each daily accrual is accumulated and paid out at month end. Example: If you have $55,000.00 in your account every day of the statement cycle, APY on the daily balance of the first $10.01 up to and including $25,000 will be 0.01%, APY on the daily balance of the next $25,000.01 up to and including $50,000 will be 0.25%, and APY on the daily balance of the next $50,000.01 up to and including $75,000.00 will be 0.50%. Additional account information available upon request.

Rest Assured,
Your Deposits are Safe!

When it comes to your hard-earned money, you deserve a bank that will guarantee its safety.

All deposits at Bluestone Bank are 100% insured. This is made possible through the Federal Deposit Insurance Corporation (FDIC), which insures up to $250,000.00 per depositor with the excess over $250,000.00 insured by the Depositors Insurance Fund (DIF). No depositor has ever lost money in a bank insured by both the FDIC and DIF.

Your Commercial Lenders

Meeting your business’s financial needs requires a creative and personalized approach. Our Commercial Lenders, with over 90 years of combined experience, are dedicated to truly understanding your unique business and industry. They use their extensive knowledge to craft tailored financial solutions that align with your goals, helping you maximize opportunities.

Learn More
Bluestone Bank
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