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Commerce Analyzed Checking

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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.

    Summary

    Business Checking Account Comparison Sheet (PDF)

    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.

    To earn interest on a Commerce Interest Analyzed Checking, a minimum balance may apply. See current Rate Sheet for details. Transaction refers to any combination of deposits, deposited items (transit only), paid items, including paper and electronic. Any business checking account with over 150 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..

    Maximum of two linked accounts which may be any combination of savings or money market; balances used will be current balances in linked accounts on the statement cycle date.

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