Introducing high-yield, 2.25% APY business checking, powered by FNBO — reimagining business banking to give you everything you need to manage, optimize, and protect your cash and working capital.
Centime Banking is a modern business banking experience — high-yield checking, enhanced FDIC coverage, and a single dashboard across every bank relationship you have, backed by FNBO, Member FDIC.
3 out of 4 CFOs say they want to diversify their deposits to mitigate the risk of bank failure and protect their deposits beyond the $250,000 FDIC coverage limit. Centime Checking Plus automatically diversifies your deposits over $250,000 to provide multi-million dollar FDIC coverage — without the inconvenience of opening and managing new accounts and banking relationships.
Centime Banking is the first and only solution that brings together everything you need to get better line of sight across all your cash accounts, combined with a high yield, enhanced FDIC coverage, fraud protection, and more. We've partnered with FNBO, Member FDIC, to combine a modern online banking experience with the stability of a trusted financial institution.
Centime Banking brings all your bank accounts into a single dashboard for complete line-of-sight across all your cash. Take total financial control with an aggregated view of all your accounts and banking relationships, and freely transfer cash between accounts and across any banks.
Automatically diversifies your deposit base across a network of several thousand FDIC-insured banks for maximum coverage.
View aggregated and individual balances and transactions across all your banking relationships from a single dashboard.
Let your money work as hard as you do, with high-yield interest rates on your business checking balance.
Freely transfer cash between accounts and across any banks — avoid costly wire fees and tedious bank-specific procedures.
Centime Banking doesn't sit apart from the rest of your finance stack — it connects to AP, AR, and cash forecasting, so your banking relationships are part of the same real-time picture as your payables, receivables, and forecasts.
A high-yield business checking account offers the benefits of a traditional checking account while also earning interest on your balance. Unlike most business checking accounts, which typically do not pay interest, our high-yield option allows your money to grow while remaining easily accessible for your day-to-day business needs.
An insured cash sweep (ICS) account distributes your funds across a network of FDIC-insured banks, ensuring your entire balance is protected by FDIC insurance, even if it exceeds the standard $250,000 limit.
Diversifying deposits is crucial for businesses to spread risk across multiple banks, ensuring enhanced financial security. By having funds in different FDIC-insured accounts, businesses can mitigate the impact of unforeseen circumstances and maintain liquidity for their operations.
Centime Checking Plus allows SMBs to enjoy high yield interest rates, optimizing cash management and earning more on their checking balances with ease.
Yes. With Centime Checking Plus, you get enhanced deposit protection beyond the standard $250,000 FDIC limit — we diversify your deposits across a network of FDIC-insured banks for an added layer of security.
See how Centime Banking combines high-yield checking, enhanced FDIC coverage, and one dashboard across every account. *Centime is a financial technology company, not a bank. *All banking products and solutions are provided by FNBO. Member FDIC. FNBO is not responsible for the content of this page. ††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings. § National Rate referenced is from the FDIC’s published monthly National Rates and Rate Caps information for Checking deposit products. Visit the FDIC website for more details. **Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. A list identifying IntraFi network banks appears at intrafi.com/network-banks. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.