Business Money Market

Put serious balances to work — without losing the banker relationship that comes with them.

Cash that sits idle has a cost. At New Omni Bank, Business Money Market is designed for financially sophisticated businesses that want to earn a competitive return on larger balances — while maintaining the liquidity, access, and banker relationship their operations depend on.

No lock-up periods. No sacrifice of control. Just tiered interest that increases as your balance grows, backed by bankers who understand what those balances represent.

Business Money Market Account Overview

Designed For

Businesses that maintain larger reserves and want to earn tiered interest without sacrificing access to funds or banker support.

Minimum Opening Deposit

$1,000

Monthly Maintenance Fee

$10, waived with a minimum average daily balance of $10,000¹

Interest

Tiered variable interest rate.² Ask your banker for the current rate sheet.

Online Banking User Access

Multiple users with approval controls

Your controller, CFO, operations manager, or other trusted individuals can each have the appropriate level of access.

Maintain control while giving your team the tools they need to manage day-to-day banking.

Debit Transactions

10 per statement cycle included.³

Your balance earns interest. Your banker earns your trust.

Business Money Market earns a tiered variable interest rate — structured so that higher balances earn at a higher rate.

There are no lock-up periods and no penalties for maintaining flexibility. Interest rates are variable and reviewed periodically. Speak with your Relationship Banker for the current rate sheet and balance tiers.

Access to Your Reserves

The following are included in your account at no additional charge.

A woman standing in a bright office space, looking at a tablet with a smile, suggesting productivity, technology, and a professional atmosphere.

Incoming ACH Credits

Receive electronic payments directly into your account.

Whether it's a client paying an invoice, a customer's recurring payment, or a vendor settlement, there's no waiting for a check to clear.

A young woman depositing check by phone in the café.

Mobile Deposit Capture

Deposit eligible checks without visiting a branch by simply snapping a photo of it from your phone.⁴

Useful when you’re at a job site, meeting a client, or simply can’t step away from the business.

A low angle view of city financial district modern buildings facades.

Domestic Check Deposits

Deposit checks into your account at any of our branches in Alhambra, Arcadia, Irvine, or Rowland Heights.

Prefer to stay at your desk? Remote Deposit Capture lets you deposit from an office scanner instead.⁵

A banker standing in front of a New Omni Bank branch counter, greeting his clients who walk into the branch to deposit checks.

Fund Transfers Within New Omni Bank Accounts

Move money between your New Omni Bank accounts.

Whether you’re funding a Business Savings reserve, topping up for payroll, or balancing across accounts at the end of the month.

Incoming Domestic Wires

Receive funds quickly and securely from anywhere in the U.S.

Common for real estate closings, large client payments, or intercompany transfers where speed and certainty matter.

Features & Benefits

The tools your business needs — available through online banking, mobile banking, and your Relationship Banker.

Online & Mobile Banking

View balances, statements, deposit images, cash flow projections,⁶ and account activity through Business Online Banking.⁷Access your account and monitor activity from wherever business takes you.

ACH Origination

Initiate electronic payments and collections directly from your Money Market account through Business Online Banking — for businesses that manage vendor payments, collections, or intercompany transfers from their reserve account. Subject to approval; per-entry fees apply.⁸

Manage Payments with Ease

Bill Pay and Stop Payment — manage scheduled payments and exercise control over outgoing funds directly through online banking.

Built-In Fraud Protection

ACH Positive Pay and Check Positive Pay help monitor your account activity, flag suspicious transactions, and block unauthorized ACH debits — giving you an extra layer of confidence every day.⁹

Accounting Software Integration

Quicken & QuickBooks Connect syncs your account transactions directly with your accounting software, so your books stay current without manual entry.¹⁰

Relationship Banking

Your Relationship Banker is your first call — a person who knows your business and is invested in helping it grow. Personal support when you need it, backed by a dedicated banking team.

Why New Omni Bank

For over 45 years, New Omni Bank has helped Southern California businesses build, grow, and succeed. We believe banking is strongest when it’s built on relationships, local knowledge, and responsive service.

Rooted in Southern California

With branches in Alhambra, Rowland Heights, Arcadia, and Irvine, we are where you are. Our bankers understand this market because they live and work here too.

Your Banker, Not a Queue

Your Relationship Banker understands that strong businesses are built on preparation. Whether you’re managing operating reserves, planning for growth, or maintaining liquidity for future opportunities, we’re here to help you think ahead.

Local Decisions, Personal Service

As a community bank, we focus on building long-term relationships and making decisions close to the businesses we serve.

Frequently Asked Questions

1. Why choose a Business Money Market account instead of a Business Savings account?

Both accounts help businesses set aside reserve funds while earning interest. Business Money Market is generally better suited for larger balances, offering tiered interest rates designed to reward businesses that maintain higher reserve levels.

Your Relationship Banker can help determine which account best aligns with your cash management goals.

2. How is interest earned on a Business Money Market account?

Business Money Market earns a tiered variable interest rate, meaning higher balances may earn a higher rate. Interest rates and tiers are subject to change over time.

Ask your Relationship Banker for the current rate sheet and balance tiers.

3. Is Business Money Market designed for everyday transactions?

Business Money Market is intended for reserve balances and strategic cash management rather than day-to-day operating activity.

The account includes 10 debit transactions per statement cycle. For frequent transactions such as vendor payments, payroll, and daily business expenses, a business checking account is generally the better choice.

Let’s Talk About Your Business

Speak with a Relationship Banker to find out whether Business Money Market is the right fit for your cash management strategy — and how it works alongside your existing business checking relationship.

Phone: (626) 626-9850
Email: contact@newomnibank.com
In Person: Visit any New Omni Bank branch

For your security, please avoid sharing sensitive or confidential information in your message.

Average Daily Balance (ADB): The average daily balance is calculated by taking the aggregate daily account balance and dividing by the number of calendar days in the statement cycle.
Interest-bearing accounts: Interest rate and Annual Percentage Yield (APY) are variable and may change after account opening without notice. Interest is calculated using the daily balance method. APY assumes interest remains on deposit; withdrawals may reduce earnings. If the account is closed before interest is credited, accrued interest will not be paid. Please ask your banker for current rates, balance tiers, and APY information.
Business Money Market Transaction Limitation: Limited to 10 debit transactions from the account per statement cycle of at least a four (4) week period. A $10 fee applies for each transaction that exceeds this limit.
Mobile Deposit Capture: Subject to approval.
Remote Deposit Capture: It is an optional add-on service. An implementation fee and monthly fee apply. Please refer to the Business Banking Product Features and Schedule of Fees for details.
Financial Planning Tools: Cash flow forecasts are estimates based on available account information and are provided through Geezeo for planning purposes only. Actual results may vary.
Business Online Banking and Treasury Management Services: Please refer to the Treasury Management Services Master Agreement and related service descriptions for details regarding Business Online Banking, Funds Transfer Service, ACH Origination, Remote Deposit Capture, and Check/ACH Positive Pay.
ACH Origination: ACH Origination service is subject to approval and additional terms. Refer to the Business Banking Product Features and Schedule of Fees and applicable service agreements for complete details.
ACH Positive Pay and Check Positive Pay: Some services may require enrollment and may be subject to additional fees. See Business Banking Product Features and Schedule of Fees for details.
Quicken & QuickBooks Connect: Access to Intuit’s Basic Marketing Program, including Quicken and QuickBooks data imports, is provided through Intuit’s Open Financial Exchange (OFX) Import Program via Web Connect. Please refer to the Business Banking Product Features and Schedule of Fees for details.