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This interest-earning account is exclusive to large sole proprietors or non-profit organizations. Fees can be offset with earnings credit, so this account is truly customized to your specific needs.3,9,11

A variable rate of interest is paid on the average available balance in your account.11 The variable rate is subject to change at the Bank’s discretion. See current Rate Sheet. Minimum balance may apply. Interest is paid in lieu of an earnings credit.

Please refer to the Business Deposit Accounts Fee & Information Schedule for details.


For more information:



All accounts subject to approval. Restrictions and limitations may apply.

Information is accurate as of February 7, 2023.

Footnotes for Commerce Analyzed Checking with Interest at BAC Community Bank

1Transaction - refers to any combination of deposits (except mobile), deposited items, paid items, including paper and electronic.

3At any time and at the discretion of BAC Community Bank standard features and account requirements may change after account is opened.

8Additional fees may apply, please refer to the Business Deposit Accounts Fee & Information Schedule.

9Money Service Business and Private ATM Service Provider are not eligible for this account.

11Minimum balance may apply. Please contact us or visit your local branch for current rate information. At our discretion, the bank may change variable interest rates and annual percentage yields (APY). The current interest rate, APY, balance and tier requirements associated with our accounts are documented in our Deposit Rate Schedule.