Business Money Management

Sweep Accounts

If you consistently have excess cash balances in your business checking account, you may be missing out on significant earnings potential. With an automated sweep account, excess cash is automatically transferred into an investment account at the end of each day.

The convenience of a sweep account is that sweeps are daily and automatic—you don't have to do a thing. When your checking account reaches a predetermined target balance, money is swept overnight from the checking account into an investment account. Funds are then swept back into the checking account as needed to cover presentments.

A non-deposit account is authorized by a cash management agreement between the customer and Soy Capital Bank. Under this agreement, funds are moved back and forth between a customer's checking account and the investment account via sweeps or automatic transfers. Fund balances in the investment account are used each day to purchase, on behalf of the customer, an interest in United States government bonds, which serve as collateral.

Interest is paid monthly to the investment account. 

Funds in an investment account are not insured by the FDIC.

Interest Bearing Accounts

Commercial Interest Checking 

Soy Capital Bank's Commercial Interest checking will help your money work for you. This account has a minimum opening deposit of $950, will earn interest and has no monthly fee if the required daily minimum balance is maintained.

Corporate Plus Checking 

Our Corporate Plus checking offers tiered interest rates to help maximize your earnings. This account has a minimum opening deposit of $25,000, unlimited transactions and has no monthly fees if the required daily minimum balance is maintained.