Label each sub-account by purpose so the balance always tells you what it's actually for.
Business banking
[X.XX]% APY on your operating reserve.
No minimum balance.
Key features
Reserve funds that actually earn
Rate
[X.XX]% APY
No minimum.
Access
$0 withdrawal penalty
Move funds when you need to.
Organization
Goal-labeled sub-accounts
Taxes, payroll, expansion.
Protection
FDIC insured
Insured to $250,000.
Who it's for