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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.

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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.

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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.

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

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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.