For all details, account definitions, features and fees, please refer to our
Business Deposit Accounts Fee & Information Schedule and Deposit Account Agreement & Disclosure.
Account Features
Commerce 500 is a higher-volume non-interest bearing business checking account.
$100 minimum deposit to open.
500 Transactions
per monthly statement cycle
(30 cents ea. additional item)
For this account, a Transaction is any combination of deposited items, paid items, and deposits (except mobile deposits which are charged separately at 60 cents ea.)
$10,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)
Monthly Service Charge
$25 monthly service charge
(this charge is waived when an average monthly balance of $25,000 is maintained)
Smart ALAC™
Choose your own personal banker
Ask banking questions anytime
Securely share documents
Video chat with your local banker
Business Debit Mastercard®
No Monthly Fee
Surcharge-Free ATMs
uChoose® Rewards
CardValet® App
Apple Pay® / Google Pay™
Online Banking
No Monthly Fee
View account activity online.
Additional Services Available with Online Cash Management Add-On
Many of these tools are part of Online Cash Management without additional charges, whereas a few have usage or service fees as detailed below.
Online Cash Management
$25 Monthly Fee
Manage Users
Paperless Statements
Download & Export
to Excel, Quick Books, etc.
Access to:
Online Bill Pay
Mobile Banking
Positive Pay
Online Wire Origination
Business Mobile Banking
No Monthly Fee
Mobile Cash Management
Biometric Log-In
Account Alerts
Mobile Deposit (60 cents ea.)
Online Bill Pay
No Monthly Fee
Schedule one-time and recurring payments to nearly any U.S. company or individual.
Account Alerts
No Monthly Fee
Manage Account Alerts
to be delivered how and
when you want.
ACH Origination
$35 Monthly Fee, plus
Credit/Debit - 18 cents ea.
ACH File - $2 ea.
Set Up Fee - $250
Domestic Wire Transfers
Incoming - $15 ea.
Outgoing - $30 ea.
In-Office Deposit
$35 Monthly Fee
Use your own compatible scanner or purchase a new scanner (prices vary).
Positive Pay
No Monthly Fee*
Fraud Mitigation
for checks and
ACH Items.
*When enrolled in Online Cash Management.
($25 Monthly Fee per Account if not enrolled in Online Cash Management)
Other Available Services
Apply for these services regardless of which checking account your business uses.
Merchant Card Services by Clover
Available
Accept Visa®, Mastercard®, Apple Pay®, Google Pay™, Samsung Pay®, and other payments.
Business Credit Card
Available
Apply for a Business card to better manage purchases, even assign to employees as needed.
ZRent / ZDeposit
Available, No Monthly Fee
If you have any kind of rental property, effortlessly collect monthly rent from tenants and manage security deposits.
(ZRent and ZDeposit are free for all users when deposits are made through BAC Community Bank, a ZSuite partner bank.)
Business Loans
Available
Explore our variety of business solutions, talk with a local business banking professional, and apply for a loan to meet your needs.
Accurate as of August 1, 2024. All accounts are subject to approval. Restrictions and limitations may apply. At any time and at the discretion of BAC Community Bank standard features and account requirements may change after account is opened. Customer may need to initiate use of some services by enrolling in or requesting the service. Any business checking account with over 500 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.
Cannabis Related Businesses, Money Service Businesses, Non-Bank Financial Institutions, and Private ATM Service Providers are only eligible for Commerce Analyzed Checking accounts.
