For all details, account definitions, features and fees, please refer to our
Business Deposit Accounts Fee & Information Schedule and Deposit Account Agreement & Disclosure.
Account Details
Commerce 500 Plus is our higher volume non-interest business checking account that includes our most popular add-on services at no additional cost or at a reduced cost.
$100 minimum deposit to open.
500 Transactions
per monthly statement cycle
(45 cents ea. additional item)
A Transaction within Commerce 500 Plus is any combination of issued checks and deposited items (except In-Office Deposits)
$20,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)
Monthly Service Charge
$95 monthly service charge
(this charge is waived when an average combined monthly balance of $100,000 is maintained. Combined average monthly balance on an unlimited number of Commerce 500 Plus accounts under the same tax ID.)
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™
Account Alerts
No Monthly Fee
Manage Account Alerts
to be delivered how and
when you want.
Online Cash Management
No Monthly Fee
Manage Users
Paperless Statements
Bill Pay
Business Mobile Banking
No Monthly Fee
Mobile Cash Management
Biometric Log-In
Account Alerts
Mobile Deposit (60 cents ea.)
In-Office Deposit
No Monthly Fee
Use your own compatible scanner or purchase a new scanner (prices vary).
Domestic Wire Transfers
Incoming - No Fee
Outgoing - First 4, No Charge;
$30 ea. additional
Wires originating outside of
Cash Management - $30 each
ACH Origination
$35 Monthly Fee, plus
Credit/Debit - 18 cents ea.
ACH File - $2 ea.
Set Up Fee - $250
Positive Pay
No Monthly Fee
Fraud Mitigation
for checks and
ACH Items.
Online Bill Pay
No Monthly Fee
Schedule one-time and recurring payments to nearly any U.S. company or individual.
Digital Wallets
Upload your
BAC Business Debit Mastercard® to
Apple Pay® or Google Pay™
to make secure purchases
quickly and easily.
Stop Payments
Unlimited with No Fee
when placed through
Online Cash Management.
($33 ea. if initiated by any other method)
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.
