ContaMAX for business: how it works
On this page · choose a topic
Information for businesses. Tecbank carries out the business account opening process; product contracting and approval belong to the bank.
ContaMAX Empresarial automatically invests the company's available account balance in a CDB. Account activity may trigger automatic redemptions to cover payments, according to the product's conditions.
Yield is not the same as tax-free balance
- ContaMAX invests the balance in a CDB. The yield may be progressive with time invested: up to 100% of the CDI does not mean 100% from day one. The bank's business material from May/2025 exemplifies 0% of the CDI up to 365 days, 1% from 366 to 720 days and 100% from 721 days onwards. Confirm the current table for your proposal before investing; we do not treat this historical table as a current universal condition.
- Because it is a CDB, Income Tax applies to the earnings. IOF may apply to redemptions in the first 30 days.
- Being able to move the money does not eliminate taxes or the yield conditions.
- The bank informs FGC coverage within the applicable limits and criteria. That does not turn the product into a guarantee of net 100%-of-CDI returns.
Before choosing
Check yield, taxes, liquidity, automatic investing and the product's fit with your company's cash flow. To contract or clarify a specific proposal, use the bank's official channels.
Official sources consulted on October 29, 2026: ContaMAX · Partner bank
open your business account now (service in Portuguese)