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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Earnings Credit For this account, a Transaction is any combination of deposited items, paid items, and deposits. |
Business Debit Mastercard®
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Monthly Service Charge
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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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Smart ALAC™
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Online Banking |
Account Alerts
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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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Online Cash Management Also includes:
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Business Mobile Banking |
Positive Pay *When enrolled in Online Cash Management. |
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ACH Origination
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Domestic Wire Transfers
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In-Office Deposit
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Other Available Services
Apply for these services regardless of which checking account your business uses.
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Merchant Card Services by Clover |
Business Credit Card |
ZRent / ZDeposit (ZRent and ZDeposit are free for all users when deposits are made through BAC Community Bank, a ZSuite partner bank.) |
Business Loans |
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.
