Spark Business Savings

Speak to a Spark Business® professional now: 1-844-88-SPARK


Save for tomorrow, today.


An account designed to put you in control of your future:

  • Earn 1.75% APY for 12 months
  • No minimum balance required
  • No monthly service fees
  • After 1 year, continue to earn interest at our standard rate (currently 0.40% APY)

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Have questions about savings?

Frequently Asked Questions

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Or speak to a Spark Business professional:

1-844-88-SPARK
9AM–9PM ET, Monday–Friday
9AM–6PM ET, Saturday

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Spark Business Savings accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch.

Promotional APY Offer: The promotional Annual Percentage Yield (APY) is available to new accounts only and varies depending on account balances. (The promotional APY applies to the first $1 million in account balances. A lower APY will apply to any portion of balances above $1 million which will be the currently effective non-promotional rate for this product.) Promotional rate will expire 365 days after account opening. Upon expiration, the standard interest rate in effect as of that date will apply to the entire balance. Standard APY is variable and subject to change at any time without notice. Interest earned is compounded monthly and will be credited on the last day of each cycle. Interest is calculated using the actual number of days in the monthly cycle divided by the actual number of days in the year. Your account must be open and in good standing to receive the interest credits. No minimum balance requirements.

Rate is only applicable to Spark Business Savings. Retail small business savings rates will differ. Limit one promotional Spark Business Savings account per customer. Promotional interest rates not applicable to converted accounts. Terms and conditions subject to change without notice.

Rate Source: Informa Research Services, 5/23/2018.

Please visit Spark Business Savings Terms & Conditions for additional information about deposit limits and fees.

Free Online Bill Payment Service is not intended for use by commercial and institutional clients with annual sales exceeding $10 million.