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1. Determine how much to save first.

We recommend all businesses have at least 30 days’ worth of operating expenses in reserves for unexpected and costly expenses.

What are my operating expenses?

To build your cash reserves, list and track all of your current monthly expenses. These expenses include, but are not limited to: rent, storage, administration costs, supplies, and utilities. Make sure to include any seasonal expenses, depending on the type of business you own.

2. Open a separate Business Savings Account.

A different account allows you to keep your emergency fund out of sight and out of mind.

A business savings account is an easy way to keep your 30 days’ worth of emergency operating expenses separate from your other reserves and cash accounts.

Open a FAIRWINDS Business Savings Account with convenient online and mobile access.

Learn more about our Business Savings Accounts

3. Use a Business Debit Card for purchases.

It’s important to keep your business purchases separate from your personal purchases to ensure your budget stays as accurate as possible.

Using your FAIRWINDS Business Visa Debit Card can help you stay on track with your business budget, you’ll also avoid incurring costly credit card interest.

You can also connect your card to your mobile wallet using the FAIRWINDS Business Banking suite, including setting up automatic recurring payments.

Learn more about our Business Banking Suite Setup Change it Up