How does tiered APY work on Business Savings at Tri Counties Bank?

Tiered APY applies different annual percentage yields to different balance brackets inside a Business Savings account. Lower balances earn the base APY, and each higher bracket applies a better rate to the portion of the balance within that bracket. The full account balance determines the blended yield. Rates reset monthly based on market conditions. California businesses that park reserves for working capital benefit from the tiered structure as balances grow.

What are automatic sweeps at Tri Counties Bank?

Automatic sweeps move idle balances from business checking into a linked savings, money market, or investment account each business day, then sweep funds back as needed to cover clearing items. The sweep keeps operating accounts funded for payments while maximizing yield on reserves. Tri Counties Bank configures sweep rules inside Trico Business Express — target balance thresholds, sweep timing, and destination accounts. Treasury teams at mid-market California companies rely on sweeps to optimize cash position.

Are Tri Counties Bank business CDs FDIC insured?

Yes. Business CDs at Tri Counties Bank are FDIC insured up to $250,000 per depositor per account ownership category. Terms range from 30 days through 5 years with fixed rates. Early withdrawal penalties apply per the disclosure at account opening. For California businesses that need deposit insurance beyond standard FDIC limits, Tri Counties Bank participates in reciprocal networks that distribute balances across multiple insured banks while keeping a single statement and relationship.

Tri Counties Bank Business Savings — Tiered APY, Money Market, CDs, and Sweeps

Tri Counties Bank offers California companies a full set of business savings instruments: tiered APY Business Savings for steady reserves, Business Money Market with limited check-writing for reserves that need occasional access, Business CDs with fixed rates across terms from 30 days through 5 years, and automatic sweep structures that move idle balances between business checking and savings every night. Every instrument is FDIC insured up to $250,000 per depositor per ownership category.

Open any business savings product by phone at +1-800-922-8742 or at any of 75+ Tri Counties Bank branches across Northern and Central California. Every account integrates with Trico Business Express for balance reporting, transfers between linked accounts, and earnings statements. Agricultural operations, hospitality groups, and manufacturing companies across California use these instruments to optimize reserves without sacrificing liquidity.

Open Business Savings Link to Checking

Tri Counties Bank business savings dashboard showing tiered APY balance brackets and money market account performance

Tri Counties Bank Business Savings Summary — April 2026

Business Savings: $100 open, tiered APY that rises with balance brackets, no check-writing
Business Money Market: $2,500 minimum, premium APY, limited check-writing, debit card access
Business CDs: fixed rates, terms 30 days through 5 years, early withdrawal penalty per disclosure
Automatic sweeps: nightly movement between checking and savings/MMA to maximize idle yield
FDIC insured up to $250,000 per depositor per ownership category across all savings tiers
Integration with Trico Business Express for transfers, balance reporting, and earnings statements
Business savings phone: +1-800-922-8742. Reciprocal networks available for above-FDIC balances

Business Savings

Entry-tier reserves with tiered APY. $100 opens an account. Yield rises with balance brackets. No check-writing. Best for steady reserves that don't need regular access.

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Business Money Market

Premium APY with limited check-writing and debit card access. $2,500 minimum waives fee. Federal withdrawal rules apply. Best for reserves that need occasional access.

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Business CDs

Fixed rate for a fixed term — 30 days, 6 months, 1 year, 2, 3, 5 years. Early withdrawal penalty per disclosure. Best for reserves that can commit to a term.

CD Rates →

Automatic Sweeps

Nightly movement between checking and linked savings or money market. Keeps operating funded, maximizes reserve yield. Configured in Trico Business Express.

Sweep Setup →

4 Business Savings Instruments

30d-5y CD Term Range

$250K FDIC Insurance per Depositor

Nightly Automatic Sweep Frequency

Business Savings tiered APY dashboard showing yield brackets and blended return calculation

Tiered APY — Yield That Rises with Balance

Business Savings applies tiered APY to different balance brackets. Lower balances earn the base annual percentage yield, and each higher bracket earns a better rate on the portion of the balance within that bracket. The blended yield across the account rises as the balance grows. Rates reset monthly based on market conditions and are posted inside Trico Business Express. The account pairs naturally with Business Advantage Checking or Analysis Checking as a linked reserve.

For California agricultural operations, hospitality groups, and seasonal businesses, tiered APY matches the reality of reserve build-up during strong quarters. As accumulated cash grows, the blended yield improves, rewarding disciplined reserve management without locking up funds in a term instrument. FDIC insurance applies up to $250,000 per depositor per ownership category.

Open Business Savings

Business Money Market account interface showing limited check-writing, debit card access, and premium APY

Business Money Market — Yield with Limited Access

Business Money Market pairs premium APY with limited check-writing and debit card access. The $2,500 minimum balance waives the monthly fee. Federal banking rules limit certain withdrawal transaction types each cycle; full disclosure is provided at account opening. The product fits California companies holding quarterly tax set-asides, insurance premium accumulations, vendor down-payment pools, and deal-close reserve balances where occasional access matters but the money isn't deployed every week.

Money Market balances sweep automatically to and from linked business checking based on thresholds you configure. Combined with cash management, this structure keeps operating accounts funded for wire transfers and ACH payments while maximizing reserve yield. The OCC supervises these operations at the national level.

Open Money Market

Business CD ladder strategy showing 30-day, 6-month, 1-year, 3-year terms with fixed rate schedule

Business CDs and Ladder Strategies

Tri Counties Bank business CDs offer fixed rates for fixed terms — 30 days, 90 days, 6 months, 1 year, 2 years, 3 years, and 5 years. Minimum opening deposits vary by term. Early withdrawal penalties apply per the disclosure provided at account opening. For California businesses with multi-year reserve horizons, CD laddering — opening several CDs at different maturities — balances liquidity with yield by ensuring a CD matures regularly while longer-dated instruments continue to earn.

Business CDs are FDIC insured up to $250,000 per depositor per ownership category. For reserves above standard FDIC limits, the cash management team structures reciprocal network deposits that distribute balances across multiple insured banks while maintaining a single Tri Counties Bank relationship and consolidated eStatements. See security for the full deposit insurance framework.

CD Rate Consultation

Instrument	Minimum Open	APY Structure	Access	Best For
Business Savings	$100	Tiered by balance bracket	Transfer via TCBK portal	Steady reserves
Business Money Market	$2,500	Premium tiered APY	Limited checks + debit card	Reserves with occasional access
30-Day Business CD	$1,000	Fixed short-term rate	At maturity	Near-term locked reserves
6-Month Business CD	$1,000	Fixed rate	At maturity	Quarterly cycle reserves
1-Year Business CD	$2,500	Fixed rate	At maturity	Annual horizon reserves
3-Year Business CD	$5,000	Fixed higher rate	At maturity	Medium-term commitments
5-Year Business CD	$10,000	Fixed premium rate	At maturity	Long-horizon reserves
Automatic Sweep	Linked accounts	APY of destination account	Nightly movement	Operating + reserve combo
Reciprocal Network Deposit	Above $250K	Per placement terms	As arranged	Above-FDIC insurance needs

All deposit instruments FDIC insured up to $250,000 per depositor per ownership category — see FDIC for the insurance framework. CD early withdrawal penalties apply. APY varies with market conditions. California DFPI oversight applies to state-level compliance.

Automatic Sweep Structures

Automatic sweeps link business checking to a Business Money Market or Business Savings account and move idle balances between them every night. You configure target balances inside Trico Business Express — set a threshold above which funds sweep to reserves, and a floor below which funds sweep back to cover ACH payments, wire transfers, and check clearing. California mid-market treasury teams rely on sweeps to maximize yield without manual daily rebalancing. The cash management team helps structure multi-account sweep hierarchies for companies with complex operating structures.

Trico Business Express Integration

Every business savings instrument integrates with Trico Business Express. Authorized users see consolidated balances across checking, savings, money market, and CD accounts on a single dashboard. Transfers between linked accounts complete instantly. eStatements deliver monthly PDFs for all savings accounts with 7-year retention for California tax and IRS record-keeping. Interest earnings appear in consolidated reporting for month-end close. The account management console lets administrators open new savings or CD accounts without branch visits, set signing authority, and configure alert thresholds for balance movements outside normal ranges. MFA protects every TCBK login.

"We run a CD ladder across 30-day, 6-month, and 1-year terms. Something matures every month, which gives us a predictable liquidity cycle. When a CD matures and we don't need the cash, we roll it into the next step of the ladder."

Alicia Moreno — CFO, Agricultural Cooperative, Central Valley

"The automatic sweep is the single best treasury tool we have. Operating checking stays at the target level for daily payments, everything above sweeps to Money Market. We earn interest on reserves every night without moving a finger."

Daniel Kirkpatrick — Controller, Hospitality Group, Napa

"Business Money Market holds our quarterly tax set-aside. We move funds in each month from operating, and when the quarterly payment comes due we write a single check from the Money Market account. Simple and the yield is meaningfully better than savings."

Priyanka Rao — Owner, Professional Services Firm, Bay Area

Seasonal and Agricultural Reserve Cycles

Central Valley agricultural operations, Sacramento Valley row crop producers, and Napa and Sonoma hospitality operators all run seasonal deposit cycles. Revenue concentrates in specific months, and expenses spread across the year. Tri Counties Bank commercial bankers structure reserve stacks that absorb the in-season peak — typically Business Money Market for quick-access reserves, Business Savings for building the next season's working capital, and short-term CDs for funds held against specific future expenditures like equipment purchases. Business loans and CRE loans bridge seasonal gaps when needed. The OCC and California DFPI supervise these arrangements.

Mid-Market and Professional Services

Professional service firms, healthcare networks, multi-location retail, and manufacturing operations tend to run more even monthly revenue with predictable receivables and payables. For these California businesses, Analysis Checking combined with automatic sweeps into Business Money Market maximizes yield on operating reserves. CDs layer on for reserves held against specific future deployments — building lease renewals, equipment replacement, acquisition capital. The reciprocal network option handles balances above the $250,000 per-depositor FDIC threshold without sacrificing the FDIC insurance framework or consolidated reporting.

Open Business Savings with Tri Counties Bank

Call +1-800-922-8742 to speak with a California business banker about Business Savings, Business Money Market, Business CDs, and automatic sweep structures. Or visit any of 75+ Tri Counties Bank branches across Northern and Central California. Every instrument pairs with Trico Business Express for consolidated balance reporting, instant transfers, and monthly eStatements.

Contact Business Banking Link to Checking

What business savings options does Tri Counties Bank offer?

Four instruments: Business Savings (tiered APY), Business Money Market (premium APY with limited checks), Business CDs (30 days-5 years fixed rate), and automatic sweeps linking business checking to reserves. All FDIC insured up to $250K per depositor.

How does tiered APY work on Business Savings?

Tiered APY applies different rates to different balance brackets. Lower balances earn a base APY, higher brackets earn better rates on the portion in that bracket. The blended yield rises as the balance grows. Rates reset monthly based on market conditions.

What is a Business Money Market account?

Premium APY with limited check-writing and a debit card. $2,500 minimum waives the monthly fee. Federal withdrawal rules apply (full disclosure at opening). Ideal for reserves like tax set-asides and insurance premium pools. FDIC insurance applies.

What are automatic sweeps?

Automatic sweeps move idle balances nightly between business checking and a linked savings or money market account based on threshold rules configured in Trico Business Express. The cash management team helps structure multi-account sweep hierarchies.

Are business CDs FDIC insured?

Yes. FDIC insured up to $250,000 per depositor per ownership category. Terms from 30 days through 5 years with fixed rates. Early withdrawal penalties per disclosure. Reciprocal network available for above-FDIC balances.