Commerce 500 Plus

COMPARE ACCOUNTS Checking Calculator

Commerce 500 Plus is a business checking that includes essential tools for your business.

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Enjoy this higher volume non-interest business checking account bundled with added services across an unlimited number of Commerce 500 Plus accounts held by the same entity.

 

500 Transactions

500 Transactions2
per monthly statement cycle 
(45 cents ea. additional item)

 

$20,000 Cash Deposit

$20,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)

 

Online Cash Management

Online Cash Management
No Monthly Fee
Manage Users
Paperless Statements
Bill Pay

 

Business Mobile Banking

Business Mobile Banking
No Monthy Fee
Access Cash Management
Biometric Log-In
Mobile Deposit (No Fee)

 

Online Bill Pay

Online Bill Pay
No Monthly Fee
Schedule one-time and recurring payments to nearly any U.S. company or individual.

 

Business Debit Mastercard

Business Debit Mastercard®
No Monthly Fee
Surcharge-Free ATMs
uChoose® Rewards
CardValet® App
ApplePay® / GooglePay™

 

Stop Payments

Stop Payments
Unlimited with No Fee
when placed through
Online Cash Management

($33 ea. if initiated by any other method)

 

Domestic Wire Transfers

Domestic Wire Transfers
No Monthly Fee
Incoming - No Fee
Outgoing - 4 per month
($30 ea. additional)

($30 ea. if initiated by any other method)

 

ACH Origination

ACH Origination
$35 Monthly Fee, plus
Credit/Debit - 18 cents ea.
ACH File - $2 ea.
Set Up Fee - $250

 

In-Office Deposit (Remote Deposit Capture)

In-Office Deposit
No Monthly Fee
Use your own compatible scanner or purchase a new scanner
Single Feed Scanner - $480
Multi-Feed Scanner - $720

 

Positive Pay

Positive Pay
No Monthly Fee
Fraud Mitigation
for checks and
ACH Items

 

Account Alerts

Account Alerts
No Monthly Fee
Manage Account Alerts
to be delivered how and
when you want 

Commerce 500 Plus is our higher volume non-interest business checking account that includes some of our most popular added services at no additional cost or at a reduced cost. When more than one Commerce 500 Plus account is held by the same entity, account activity is aggregated across all of these accounts and the combined balances of these accounts are used for waiving the monthly service fee.8,10

  • $100 minimum deposit to open
  • Monthly service charge waived when an average combined monthly balance of $100,000 is maintained8
    • $95 monthly service charge if average combined monthly balance is not maintained

 

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For more information:

 

Information is accurate as of February 16, 2023.

All accounts 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.

Cannabis Related Businesses, Money Service Businesses, Non-Bank Financial Institutions, and Private ATM Service Providers are not eligible for any of these accounts, except Commerce Analyzed Checking.

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.

 

Footnotes for Commerce 500 Plus Checking at BAC Community Bank

2For Commerce 500 Plus accounts: Transaction refers to any combination of issued checks and deposited items (except In-Office Deposits).


8Combined average monthly balance of $100,000 on an unlimited number of Commerce 500 Plus accounts held by the same entity. 

10For Commerce 500 Plus accounts: Activity is calculated per monthly statement cycle across an unlimited number of Commerce 500 Plus accounts held by the same entity.

 

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