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This account may be the right choice if your business maintains higher balances and you want to combine liquidity with competitive rates.3,6,8,11

  • Variable rate of interest is paid on the average available balance in your account11
  • No charge for first 20 deposited items5 per statement cycle
    • 25 cents each additional item
  • No charge for for first $5,000 of cash deposited per monthly statement cycle
    • 15 cents per $100 each additional cash deposit
  • $15 monthly service charge
    • An average monthly balance of $2,500 waives the monthly service charge
  • Funds are checkbook accessible; withdrawal limitations apply; $15 per debit fee for excessive withdrawals6
  • First 6 withdrawals per statement cycle - No Charge
    • Additional withdrawals - $15 fee per debit
  • $2,500 minimum deposit to open
  • Additional account services available8:

BAC Community Bank limits certain types of withdrawals and transfers from Savings accounts.6


For more information:



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

Information is accurate as of February 7, 2023.

Footnotes for Commerce Money Market at BAC Community Bank

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

5A Deposited Item refers to any combination of deposits (except mobile) and deposited items (transit only), including paper and electronic.

6No more than 6 transfers or withdrawals of the following type are permitted during your monthly statement cycle:

  • Payments to third-parties such as checks, drafts, debit cards or similar transactions
  • Transfers by phone using our automated service or speaking with a banker on the phone
  • Transfers or payments through online, mobile and text banking (including Bill Pay and person to person payments)
  • Transfers to a checking account for Overdraft Protection
  • Pre-authorized transfers and withdrawals
  • Debit card purchases

  There are no limits on transfers or withdrawals made in person at an ATM, Bank branch or on any type of deposit. If you regularly exceed 6 limited transactions during a statement cycle, BAC Community Bank may convert your savings or money market into a checking account or may close your account.

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

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.