Business Notice Account
Earn 3.81% APY (Variable)
From 20th November 2025 the interest rate offered for this product will be 4.05% APY.
- Available as a single or joint account
- 90-day notice period for withdrawals
- Start saving from just $1, for businesses at every stage
- Grow your savings with unlimited deposits up to $1,000,000
Key Product Information
Earn higher interest rates on business savings when you choose planned withdrawals.
Ideal for companies with predictable cash flow needs, our Business Notice Accounts offer a competitive interest rate of 3.81% APY* when you give 90 days’ notice before making a withdrawal.
Benefits
Saving when you do not need immediate access to your money before the end of the notice period
Potentially achieving a higher rate of interest in return for providing notice to access your money
Potentially achieving a higher rate of interest and wanting to add additional funds to the Account
FDIC protection up to $250,000 for each eligible depositor
Limitations
No access to funds before the end of the notice period
Product Summary
| Term | Interest Rate (APY/Gross) |
| 90 Day Notice | 3.81% |
Interest is calculated daily and credited twice a year in June and December into your Notice Account.
Yes.
As this account pays a variable rate of interest, the rate can change over time. For example we might review the interest rate if the The Federal Reserve System base rate changes. We’ll always let you know of any planned changes to the rate.
A deposit of $2,000 at an annual Gross rate of 3.81% would generate an estimated balance of $2,076.20
This estimate is for illustrative purposes only and do not take into account individual circumstances.
Assumptions taken for above calculations;
- No change in the amount (no deposits, no withdrawals)
- No change to the variable interest rate
- Interest payment twice a year
You must be;
- Aged 18 or over
- The minimum interest earning balance is $1
- The maximum interest earning balance is $1,000,000
- Online: If you are registered for UEB NetBanking (Account operations are limited to viewing only and the service is for Sole Traders Only)
- In branch: Visit any of our branches Monday to Friday between 8:00am and 5:00pm
- In writing: (All written instructions must be countersigned and dated by all named Account holders)
- Telephone: You can contact our Customer Services Team Monday to Friday from 8:00am to 5:00pm for support
Withdrawals can be made by giving the required notice.
If you wish to withdraw money from your 90 Day Business Notice Account without giving us the required notice, or before the expiry of the notice period, an Early Withdrawal Charge equivalent to 90 days’ gross interest will be applicable to the amount being withdrawn.
If the interest earned on your Notice Account is insufficient then the Early Withdrawal Charge will be deducted from your deposit and accrued interest, which may take your balance below the minimum interest earning balance.
The Early Withdrawal Charge will not be applied in the event of the death of an Account holder (or one of them in case of a Joint Account).
This account can be held with single or joint signatory.
There is a 14 day cooling off period for the 90 Day Business Notice Account. If you decide to cancel within the 14 days we will not deduct Early Withdrawal Charges, but you will not be entitled to interest for the number of days your deposit has been with us.
Interest will be paid using the Gross Rate and tax will not be deducted where your interest is exempt.
Gross rate means we won’t deduct tax from the interest we pay on money in your account. It’s your responsibility to pay any tax you may owe to the Internal Revenue Service (IRS).
APY stands for Annual Percentage Yield and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will include an APY, it makes it easier for you to compare what return you can expect from your savings over time.