Startup Banking

2025 Forbes Fintech 50 list and bank analysis as of June 2025.

2025 Forbes AI 50 List and bank analysis as of June 2025.

Money Market Accounts (MMA) are interest-bearing accounts unless otherwise stated. As of September 30, 2026, a 3.56% annual percentage yield (APY) on the Startup Money Market Account ** is available for ** deposit balances of $1,000,000.01 or more.  ** If the Startup Money Market Account ** has deposit balances between $50,000.01 to $1,000,000.00, a 2.63% APY will be applied to the entire ** Startup Money Market Account deposit balance. If the Startup Money Market Account has deposit balances of $50,000.00 or less, a 0.10% APY will be applied to the entire Startup Money Market Account deposit balance. The APY or interest rate depends on the tier associated with the amount deposited in the Startup Money Market Account. You must deposit and maintain the applicable account balance to earn the disclosed APY. Please refer to the Deposit Agreement and Disclosure Statement issued at opening and any updates thereto for more details. Changes to the interest rate and APY on the Startup Money Market Account is at our discretion and are reflected in your account statement. Interest is calculated daily and credited monthly to the account. If you close your account before interest is credited for the month, you will not receive the accrued interest during the month the account is closed. Applicable fees, including those contained in the Product Sheets and Schedule of Fees and Charges provided at account opening, could reduce earnings on the account. Account maintenance fees may apply for each month your balance falls below a disclosed minimum.

Free checking through Essentials Checking available for up to three years from account opening on included services and there after will be subject to an account maintenance fee of $50 per month plus outgoing wire fees, Domestic and International, and Standing/Auto Drawdown/Reverse wire fees. If expanded or additional account and banking services are needed by a company during the first three years, outside of what is included with the Essentials Checking checking account and related services, these will be available only through a checking and banking account solution outside of the Essentials Checking checking account product, and subject to both applicable standard services fees, and a monthly account maintenance fee. Transactions processed, such as for overdrafts, NFS’s, returned and collection items will incur a fee as described in the Schedule of Fees. SVB does not provide a complimentary order of check stock. Eligibility requirements apply for Mobile Deposit.

For complete details about the SVB Innovator Card, including applicable fees and terms and conditions of the Card, please see the SVB Innovator Card Terms and Conditions. All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational and reference purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Certain terms, conditions, exclusions, and limitations apply, including a limit on cash advance capabilities.

This offer is only available for Innovator Card charge programs set up on rewards with company bill and company rewards. Offer expires 12/31/2026.

Rewards points and bonus rewards points are awarded 30 days (or up to 2 statement cycles) after meeting the offer criteria within the first 90 days of account opening. Criteria includes:

• 45,000 rewards points are awarded after $10,000 has been spent collectively between the cards within your program. When spending $10,000, you will earn 15,000 rewards points at an earn rate of 1.5x. You will receive an additional 30,000 bonus points for a total of 45,000 points.
• 250,000 rewards points are awarded after $60,000 has been spent collectively between the cards within your program. When spending $60,000, you will earn 90,000 rewards points at an earn rate of 1.5x. You will receive an additional 160,000 bonus points for a total of 250,000 points.

Clients will earn either the $10k spend / 45,000 reward points (30,000 bonus) OR $60k spend / 250,000 rewards points (160,000 bonus).

Terms and conditions apply. Offers subject to change without notice. Provider companies offering discounted tools and services are independent third parties and not affiliated with First-Citizens Bank & Trust Company.