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COMPARE ACCOUNTS

Best for businesses with high transaction volume, this account is tailored to your particular needs.
Offset fees with an Earnings Credit, so you are in complete control.

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 Analyzed Checking is a non-interest checking account for businesses with a high volume of transactions. This account is also available to businesses not eligible for our other checking accounts.
$100 minimum deposit to open.

 

$20,000 Cash Deposit

Earnings Credit
may offset Transaction fees
and fees for other account services

For this account, a Transaction is any combination of deposited items, paid items, and deposits.

 

Business Debit Mastercard

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

 

 

Monthly Service Charge

Monthly Service Charge
$22 monthly service charge
(this charge may be offset by Earnings Credit.)

 

EARNINGS CREDIT

An Earnings Credit is used to offset certain fees noted in the Business Deposit Accounts Fee & Information Schedule. The Earnings Credit is calculated by applying an earnings credit rate to the investable balance. The earnings credit rate is determined by the Bank and is subject to change at the Bank’s discretion. Interest paid to the account, if any, is deducted from the Earnings Credit amount. When your fees exceed your Earnings Credit, a service charge will be assessed for the excess amount.

 

Smart ALAC

Smart ALAC™
No Monthly Fee
Choose your own personal banker
Ask banking questions anytime
Securely share documents
Video chat with your local banker

 

 

Online Banking

Online Banking
No Monthly Fee
View account activity online.

 

Account Alerts

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

 


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

Online Cash Management
$25 Monthly Fee
Manage Users
Paperless Statements
Download & Export
to Excel, Quick Books, etc.

Also includes:
Online Bill Pay
Mobile Banking
Positive Pay
Online Wire Origination

 

 

Business Mobile Banking

Business Mobile Banking
No Monthly Fee
Access Cash Management
Biometric Log-In
Account Alerts
Mobile Deposit (60 cents ea.)

 

Positive Pay

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)

 

ACH Origination

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

 

 

Domestic Wire Transfers

Domestic Wire Transfers
No Monthly Fee
Incoming - $15 ea.
Outgoing - $30 ea.

 

 

In-Office Deposit (Remote Deposit Capture)

In-Office Deposit
$35 Monthly Fee
Use your own compatible scanner or purchase a new scanner (prices vary).

 

 

Other Available Services
Apply for these services regardless of which checking account your business uses.

 

Merchant Card Services by Clover

Merchant Card Services by Clover
Available
Accept Visa®, Mastercard®, Apple Pay®, Google Pay™, Samsung Pay®, and other payments.

 

Business Credit Card

Business Credit Card
Available
Apply for a Business card to better manage purchases, even assign to employees as needed.

 

ZRent / ZDeposit

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

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.

 

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.