Business Money Market: Put Your Reserve Cash to Work
9/12/2025
When your business has extra cash, put it to work—not on the sidelines. A Business Money Market keeps savings within reach while earning a competitive rate, often higher than a regular savings account. Move funds anytime with digital banking, set up automatic sweeps,1 or make in-person withdrawals—all while your reserves keep earning.
What is a Business Money Market?
Put simply, a Business Money Market is a deposit account that earns higher interest or dividends than a regular savings account.
Key Traits
- Easy, unlimited access: transfer between eligible accounts as often as you’d like, set up automatic sweeps,1 or make withdrawals when needed
- Steady growth: dividends typically accrue daily and are paid monthly
- Tiered structure: many accounts reward higher balances with higher yields
Quick Facts About Our Business Money Market
- $100 minimum to open
- Dividends compounded daily; credited monthly
- Unlimited transfers and sweeps1 between eligible accounts
- $1,000 minimum daily balance required to earn
How a Business Money Market Works
Put your extra cash to work in your Business Money Market. When you need it, just move what you need back to checking or make a withdrawal. You can even turn on automatic sweeps1 so unused balances flow into the money market—and back into your checking again when it’s time to pay a bill. At Arkansas Federal, transfers between eligible internal accounts have no limits on how often you can make them.
Business Money Market vs. Business Savings
Both are savings accounts with no fixed term, and you can move money as often as you’d like between eligible accounts.1 The big difference is what you earn: a Business Money Market usually pays more (often with tiered rates) so it’s great for large reserves. A Business Savings typically pays less and is better for starter savings or smaller balances.
Business Money Markets vs. CDs
A Business Money Market keeps access flexible with no fixed term. You can transfer between eligible internal accounts1 and add or withdraw funds as needed. It is a strong fit for near-term reserves like taxes, payroll buffers, or project funds.
A Business CD (Certificate of Deposit) is a time deposit with a set term. Funds are committed until maturity and early withdrawals may trigger penalties, so CDs work best for dollars you will not need until a specific date. Many businesses use both: keep near-term cash in a Money Market and place longer-horizon funds in CDs.
Make it Work
It’s easy to make a Business Money Market work for you, and creating a few small habits can go a long way. Set a target balance for checking, turn on automatic sweeps1 so extra cash moves to your Money Market, and do a quick monthly check-in. More of your money earns—and less sits idle.
- Set a target checking balance. Decide how much to keep on hand for daily operations.
- Sweep the surplus. Use automatic sweeps1 between eligible internal accounts so extra dollars move to your money market and return back to your checking account when needed.
- Review monthly. As invoices, projects, and seasons change, adjust targets so more cash is working and less is idle.
Smarter Savings. Stronger Business.
Ready to put your reserves to work–without locking them up? Whether you have questions or you’re ready to open a Business Money Market, we’re here to help. Call 501.601.8446 or visit your local branch to get started.
