High-Yield Business Checking
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.
- High-yield 2.25% APY business checking
- Multi-million dollar FDIC coverage beyond $250,000
- One dashboard across every bank account and relationship
- Free cross-bank transfers, no wire fees
- Backed by FNBO, trusted for over 165 years
What Centime Banking gives back
Protect your deposits with multi-million dollar FDIC coverage
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.
- Automatically diversifies deposits across a network of FDIC-insured banks
- Multi-million dollar coverage beyond the standard limit
- No new accounts or relationships to manage yourself
Modern banking backed by a financial institution trusted for over 165 years
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.
- High-yield interest rates on your business checking balance
- Free transfers between accounts and across banks
- Backed by FNBO — innovating for businesses for 165+ years
Take control of your accounts with a single integrated dashboard
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.
- Aggregated view of every account and banking relationship
- Cross-bank account transfers, no costly wire fees
- One dashboard instead of logging into each bank separately
Everything you need in one banking dashboard
Go beyond the $250,000 FDIC limit
Automatically diversifies your deposit base across a network of several thousand FDIC-insured banks for maximum coverage.
Better line-of-sight across all your accounts
View aggregated and individual balances and transactions across all your banking relationships from a single dashboard.
Maximize your earnings with high-yield returns
Let your money work as hard as you do, with high-yield interest rates on your business checking balance.
Easily transfer across banks and accounts
Freely transfer cash between accounts and across any banks — avoid costly wire fees and tedious bank-specific procedures.
Banking that connects to the rest of your cash picture
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.
- One dashboard across every bank account and relationship
- Backed by FNBO, Member FDIC
- Connects to AP, AR, and cash forecasting on the same platform
Beyond $250K: protecting your deposits
How FDIC sweep accounts extend coverage well past the standard limit.
How safe is your cash?
What SVB's failure revealed about the need for deposit diversification.
Centime partners with FNBO
The story behind reimagining business banking with a 165-year-old institution.
The CFO's cash playbook
How to lead with liquidity, not just P&L.
Questions about business banking
What is a high-yield business checking account?
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.
What is an insured cash sweep (ICS) account?
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.
Why is it important to diversify deposits?
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.
What does Centime's Checking Plus offer?
Centime Checking Plus allows SMBs to enjoy high yield interest rates, optimizing cash management and earning more on their checking balances with ease.
Is my account FDIC-insured?
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.
Ready for banking that works as hard as you do?
See how Centime Banking combines high-yield checking, enhanced FDIC coverage, and one dashboard across every account.