Business Banking | Luminate Bank

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Business Checking

Our business checking accounts make managing day-to-day operations simple and stress-free. Explore options that fit your unique needs and help keep your finances organized, efficient, and ready for growth.

Business Checking

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Business Savings

Put your money where it can work for you. Our business savings account options keep your funds safe and secure, while giving you the reassurance that your business is prepared for the future.

Business Savings

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Treasury Management

Maximize value, streamline operations, and take control of your cash flow. Our treasury management solutions help minimize expenses, optimize liquidity, and give you the tools you need to achieve your business objectives.

Treasury Management

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Business Certificates of Deposit (CDs)

Lock in a competitive rate and save for your business goals with a Luminate Bank CD. Whether you’re planning for a short-term purchase or a long-term investment, your funds are FDIC-insured up to the legal limit for added peace of mind.

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A Clearer Way to Think About Small Business Cash Flow

By Luminate Marketing Team • February 12, 2026

Learn how simpler payment tools help small businesses improve cash flow clarity, reduce friction, and get paid faster without added complexity.

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Your Money, Without the Wait: Instant Money Transfers Explained

By Luminate Marketing Team • February 5, 2026

Learn how instant money transfers reduce waiting and uncertainty, helping you move money between banks with clearer timing and control.

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Financial Readiness for Homebuyers: Preparing Without Pressure

By Luminate Marketing Team • January 29, 2026

Learn what financial readiness for homebuyers really means and how early preparation can reduce stress and help you move forward with confidence.

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