Cash Flow Solutions

Why You Should Keep Reserves in Your Business Checking Account

Fabric store businessowner on phone while looking at reserves in her business checking account

Entrepreneurs of various backgrounds share one thing in common: at some point or another, you’ll have to wear many hats. Among the many obligations a small business owner has, keeping working capital organized can be one of the most tedious.


Always look for ways to make managing funds easier

Until you’ve gained your footing, if you’re a small business owner without the resources to hire an accountant, you’re likely handling your finances on your own. Having a business checking account with a Reserves feature can make it significantly easier to not only manage your funds, but also to create a long-term financial strategy.


How saving Reserves keeps you organized

Ready to take control of your business checking account? Here are some of the ways you can use a Reserves feature, and the long-term benefits it can provide:


  • Organize your income streams

Perhaps your business has multiple entities, or you’d like to separate income streams according to product offerings. Using Reserves can help you organize your funds based on your needs. For example, Kabbage CheckingTM* has Reserves that hold up to five sub-balances, allowing plenty of room to separate and categorize your income.¹

*The Kabbage Checking Account is provided by Green Dot Bank

  • Set aside money for your business goals

Whether you’re saving for new equipment or setting aside funds to open a new location, you can plan ahead by keeping Reserves. With Kabbage Checking, you can customize the name of each sub-balance according to the nature of your goal and how much you intend to save for it.

  • Save your business time and money

Rather than saving for one thing at a time, making regular deposits into your sub-balances can help you achieve multiple goals quicker. As any small business owner knows, saving time means saving money—and that’s critical to success.


Using Kabbage Checking’s Reserves feature can be a great way to start saving towards your business goals. Kabbage offers online business checking accounts designed for small businesses. Learn how Kabbage Checking™ can support your business.

    1. Money in Reserves must be moved to the available balance in your primary account before it can be used.  We may require at least seven days’ written notice of an intended transfer from a Reserve to your primary account.If a Reserve is closed during a Statement Cycle, interest accrued during such Statement Cycle is forfeited. For more information on Reserves, please see FAQs. Other fees and limits apply. See the Fee Table in the FAQs.

The material made available for you on this website,, owned by American Express National Bank, is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.

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