Supporting Small Businesses, and the People that Run Them: Our partnership with Continental Bank
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The economic fallout from the Covid-19 pandemic has many small, local operations on the brink of collapse.
Now more than ever, small businesses and their owners need a flexible bank who is not only willing to listen, but actually able to help—and help quickly. Continental Bank is a small, growing bank that is still run by its sole founder.
Raisin chose to partner with Continental Bank, serving its local community for nearly 20-years, to bring high-yield savings products to our individual savers. Here's why this bank is worth checking out.
History of Continental Bank
Continental Bank was founded in 2003 and is based in Salt Lake City, Utah. The bank specializes in providing banking and lending products to small businesses and their owners nationwide.
It focuses on Small Business Administration (SBA) loans, commercial equipment financing, community association banking, commercial real-estate lending, construction lending and professional practice financing. Continental Bank is also a preferred lender for 7(a) loans, which provide financial assistance to small businesses.
Why invest through Continental Bank
Continental Bank prides itself on being fast and flexible. They also stay involved in their local community. Every year, the bank provides higher-education scholarships, and in 2020, those scholarships went to two first-generation college students.
Individual employees also completed more than 190 hours-worth of community service in 2019 and donated $28,500. Community service and charitable giving are ingrained in the bank’s culture.
Continental Bank is proud to serve the particular needs of its tight-knit community.
Earn more with a high-yield savings account
Here’s how the difference plays out. If you have $50,000 in a business savings account with 0.02% APY, you’ll earn $10 in interest in one year and $20 after two years. If you keep that money in a savings account with 0.45% APY, you’ll earn $225 in interest after one year and $451 after two years.
With Raisin, these kinds of high-yield savings accounts are now available through a single login.
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*APY means Annual Percentage Yield. APY is accurate as of April 10, 2026. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.
Raisin is not an FDIC-insured bank, and FDIC deposit insurance only covers the failure of an insured bank.
Raisin is not an NCUA-insured credit union. NCUA deposit insurance only covers the failure of an insured credit union.
Raisin does not hold any customer funds. Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodial Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodial Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered by the applicable bank or credit union through Raisin.com. Each customer also authorizes the Service Bank to move funds among the various banks and credit unions at the customer’s request. First International Bank & Trust (FIBT), Member FDIC, is the Service Bank. Bell Bank and Starion Bank, each Member FDIC, are the Custodial Banks.
†Based on $250,000 in FDIC or NCUA insurance coverage per insurable category of ownership at each partner bank or credit union on the Raisin platform (each a "Product Bank"), when aggregated with all other deposits held by you at such Product Bank and in the same insurable category. Deposits made through Raisin will be eligible to receive deposit insurance from the FDIC or the NCUA (each a "Deposit Insurer") in accordance with and up to the maximum amount permitted by law at each Product Bank. Raisin is not a bank or credit union and does not hold any customer funds. Funds are held at FDIC-insured banks and NCUA-insured credit unions. Deposit insurance covers the failure of an insured bank or credit union. Certain conditions must be satisfied for pass through deposit insurance coverage to apply. Customers may choose to deposit funds with identically registered accounts at different Product Banks on the Raisin platform to be eligible for Deposit Insurer coverage up to $10 million for individual accounts and $20 million for joint accounts when at least 40 Product Banks are utilized. Please be aware, however, that any deposits you have at a Product Bank, whether through the Raisin platform or outside the Raisin platform, that you may hold in the same capacity (such as in an individual capacity or joint capacity) count toward the applicable Deposit Insurer's deposit insurance maximum amount, and any such amounts that you hold in the same capacity at a Product Bank that exceed the maximum insurance coverage by the applicable Deposit Insurer will not be insured. For more information on FDIC deposit insurance, please see here. For more information on the NCUA share insurance fund, please see here. You are solely responsible for monitoring the amount of funds you have on deposit at each a Product Bank, whether through the Raisin platform or outside the Raisin platform, to confirm that the deposits you hold in the same capacity at each Product Bank do not exceed the maximum deposit insurance coverage provided by the applicable Deposit Insurer.