A high-interest business savings account will yield a higher return, and this can be maximised in a number of ways: • The amount you save • The length of time you save it for • Whether it is an instant access or notice account The best business deposit accounts are ones that are fixed term. But what this means is that the money you place into the savings account is locked away for a period of time. This could be for 6 months or as long as 5 years.  Banks change interest rates too, and so there may be times when interest rates significantly increase, just as there are times when interest rates can be low.