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For all details, account definitions, features and fees, please refer to our Business Deposit Accounts Fee & Information Schedule.


For more information:


All accounts 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.

Cannabis Related Businesses, Money Service Businesses, Non-Bank Financial Institutions, and Private ATM Service Providers are not eligible for any of these accounts, except Commerce Analyzed Checking.


Footnotes for Business Savings Accounts & Certficates of Deposit at BAC Community Bank

1 Minimum 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.

2 A Deposited Item refers to any combination of deposits (except mobile deposits, 60 cents ea.) and deposited items.

3 No 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 / ITM, 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.

4 Certificates of Deposit are term accounts subject to early withdrawal penalties. Please refer to Business Deposit Accounts Fee & Information Schedule and Truth In Savings disclosure for details.

5 The Certificate of Deposit interest rate and annual percentage yield (APY) is fixed for the term of your account. Minimum balance may apply. Please contact us or visit your local branch for current rate information.


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