NOTICE: On Wednesday, December 24th, the business day cut-off time for Cash Management, Personal Internet Banking and Merchant Remote Deposit will be 3:00pm. Any submissions initiated after that time will be processed the next business day, Friday, December 26th.

If you have any questions, please call our Customer Service Department at 1-877-226-5820.





Business Banking » Checking Accounts

Choosing the Right Business Checking Account

Our Business Checking accounts are tailored to grow with your business while simplifying your business banking transactions. The goal of our products and services is to provide you with a variety of clear choices, tailored to help your business grow.

 

 
 
Commerce Value
Checking
 
Commerce
Checking
 
Commerce
Interest
Checking
 
Commerce
Analyzed
Checking
 
Commerce
Interest
Analyzed
Checking
    View Details   View Details   View Details   View Details   View Details
Overview   Ideal for a business that makes few deposits and writes minimal checks in each statement cycle.   Designed for businesses with occasional deposits and moderate check writing.   A great checking account for a sole proprietor or non-profit organization.   This account suits the needs of medium to large sized businesses with high transaction volume.  

 

Provides medium to large sized sole proprietors or non-profit organizations analyzed checking benefits, plus interest!

 

Earns Interest   ---   ---     ---  
Account Transactions
Without Charge1
 

75 or less

per monthly statement cycle

 

150 or less

per monthly statement cycle

 

150 or less

per monthly statement cycle

 

(May be offset by Earnings Credit)

Click for details

 

(May be offset by Earnings Credit)

Click for details

Additional Items During Statement Cycle   $0.15 each   $0.15 each   $0.15 each    
Cash Deposits Without Charge   $5,000 or less per deposit   $5,000 or less per deposit   $5,000 or less per deposit  

(May be offset by Earnings Credit)

Click for details
 

(May be offset by Earnings Credit)

Click for details
Additional Cash Deposits   $0.10 per $100   $0.10 per $100   $0.10 per $100    
Monthly Service Charge   $6   $12   $15  

$17

 

$17

Enrolling in eStatement Lowers Monthly Service Charge To:   $0   $7   $10  

(May be offset by Earnings Credit)

Click for details

 

 

 

 

(May be offset by Earnings Credit)

Click for details

 

 

 

Minimum Balance to Waive Monthly Service Charge   N/A   Either maintain $3,500 daily or $7,000 average in this account; or $20,000 in linked accounts2   Either maintain $4,500 daily or $8,000 average in this account; or $25,000 in linked accounts2    

 

Business Checking Account Comparison Sheet (PDF)

Business Deposit Accounts Fees & Information (PDF)

Your Deposit Account Agreement & Disclosure (PDF)

 

 

All of Our Business Checking Accounts include:

Business Debit Card

Experience flexibility and ease in making purchases directly from your Business Checking.

Overdraft Protection

Avoid overdrawing your account by linking to any of your available BAC | ECC Bank Business deposit accounts* or apply for a Fast Cash line of credit**.

*Fees apply. **Upon credit approval; fees apply.

Merchant Window

A dedicated area for business transactions that is available in many branches.

Night Depository

Use any after-hours secured deposit receptical available at each BAC | ECC Bank branch office.

 

 

Online Banking with Cash Management Tools

This robust service provides eStatements, eAlerts, internal account transfers, along with account activity downloads to Excel, Quicken, and Quickbooks, at no charge.

 

For many of our Business accounts, additional online features are available for a fee, such as ACH Origination, external transfers, stop payments, and Wire Transfers. (please ask for details)

Online Bill Pay

Standard online bill pay enables payment to other established companies without additional charges.

 

Our banking professionals are ready to help identify your unique
banking needs and custom tailor solutions for you.

Have Us Contact You Come To Our Office

 

 

 

Other Business Accounts

 

Other Related Business Services

Commerce Savings

Commerce Money Market

Certificates of Deposit (CDs)

Certificate of Deposit Registry Service (CDARS®)

Attorney Client Trust (IOLTA)

 

ACH Origination

Cash Vault / Armored Service

CardCash

Lockbox

Merchant Services

Online Bill Pay

• Overdraft Protection

Payment Card Processing

Positive Pay

Remote Deposit

Sweep Products

Wire Transfers

Zero Balance Accounts

 

Information accurate as of December 1, 2014.

 

The words "month" and "monthly" are used throughout this document to refer to an account statement cycle.

 

For information on interest calculations and payments or additional terms, please refer to account disclosures linked above.

 

1Transaction refers to any combination of deposits, deposited items (transit only), paid items -- including paper and electronic. Any business checking account with over 150 transactions posted per monthly statement cycle or routine uncollected funds, may be reviewed and converted to a Commerce Analyzed Checking account. If the Bank converts your account you will be notified in advance.

 

2 Maximum of two linked accounts which may be any combination of savings or money market; balances used will be current balances in linked accounts on the statement cycle date.

 

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12.18.2014

 
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