4275 Executive Square Suite 800 La Jolla, CA 92037

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Personal Checking Personal Savings Business Checking Business Savings Deposit Rates

Where do you belong?

Whether it is in a flexible Checking account for your day-to-day operations, or a high yield Money Market account for long term holdings, Silvergate has the perfect solution to your business banking needs.  Understanding your business and its cash flow needs is all part of Silvergate Bank's relationship banking.

Your business belongs here.

Competitive Rates and unparalleled service are hallmarks of the Silvergate approach to business banking and customer care.  But that is just where it starts.  Banking is personal.  One-size-fits-all does not apply when it comes to your business.  Write a lot of checks?  Need direct deposit capability?  At Silvergate, our qualified and courteous customer service representatives will listen, and recommend the banking products that will serve your business best.

 

Business Savings Accounts

 

Money Market

Liquid Certificate of Deposit

Certificate of Deposit

Money Market

Special Account Features

  • Direct Deposit Available
  • Higher Interest Rates3
  • ATM Card
  • Easy Withdrawals, Deposits, and Transfers at Branch Locations4

Minimum Opening  Deposit

  • $1,000.00

Balance Required (To Waive Monthly Maintenance Fee)

  • $1,000.00 Minimum Daily  Balance

Monthly Maintenance Fee

  • NO FEE if you maintain a minimum daily balance of $1,000.00 otherwise $15.00 per month

Liquid Certificates of Deposit

Special Account Features

  • Free Online Banking
  • 1 Withdrawal Without Penalty6
  • Higher Interest Rates3
  • Make Deposits At Any Time5

Minimum Opening  Deposit

  • $10,000.00

Balance Required (To Waive Monthly Maintenance Fee)

  • N/A

Monthly Maintenance Fee

  • N/A

Certificates of Deposit

Special Account Features

  • Higher Interest Rates2

Minimum Opening  Deposit

  • $2,500.00

Balance Required (To Waive Monthly Maintenance Fee)

  • N/A

Monthly Maintenance Fee

  • N/A

 2. An NSF Paid Item fee of $19.88 may be imposed for covering overdrafts created by check, in person withdrawals, ATM withdrawals, debit card transactions, or other electronic means. The order of item payment may result in multiple overdrafts during a single banking day, for which you will be charged an NSF Fee for each item (paid or returned) presented against insufficient or uncollected funds. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing (defined as regularly making deposits and bringing your account to a positive balance at least once every 30 days), if you have too many overdrafts, or if there are outstanding legal orders, liens, or levies. 3. See your Financial Service Representative for current rates. 4. Federal regulation and our deposit agreement limit the number of withdrawals and/or transfers that may be made from a savings account by telephone/PC transfer, pre-authorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your savings account each monthly statement cycle by pre-authorized transfer, or telephone/PC transfer (including bill payments). And, if the account permits transfers by check or debit card, no more than three of the six limited transfers may be by check or debit card. 5. Deposits must be a minimum of $1,000.00. 6. One withdrawal without penalty is permitted during the term of the account. Withdrawals made in the first 6 days of account opening are subject to early withdrawal penalties.