Personal Banking

MOBILE BANKING
Use your smartphone for something smart: Manage your bank accounts on the go. Learn more

Features include:

- Mobile Deposit
- Mobile Bill Pay
- Zelle^®
- Debit Card Management
  lock and unlock your card, set alerts, add spending limits, and more

ONLINE BANKING
We offer online banking at its best — gain access to a full range of great online banking tools. Learn more

Features include:

DEBIT CARD
Securely pay for transactions at any retailer that accepts Mastercard. Manage your debit card with our mobile banking apps and more! Learn more

Features include:

- Digital Wallet feature works with Apple Pay, Google Pay, and PayPal wallets
- Debit Card Management
  lock and unlock your card, set alerts, add spending limits, and more
- MyCard Creation enables you to personalize your debit card using your favorite photo

Business Banking

BUSINESS MOBILE BANKING
(MOBILE CASH MANAGEMENT)
Not in the office? Not a problem. Use your smartphone to review account activity, transfer money, approve pending wires, and more. Learn more

Features include:

ONLINE CASH MANAGEMENT
Choose the robust service options that best fit your business needs. Learn more

Features and services available:

- In-Office Deposit (Remote Deposit Capture)
- Online Business Bill Pay
- ACH Origination
- Wire Transfers
- Paperless Statements

Additional services available:

- Positive Pay
- ZRent (Automatic Payment Collection)
- ZDeposit (Security Deposit Management)

DEBIT CARD
Use your Business Debit Mastercard to pay for supplies and other business expenses without writing a check. Learn more

Features include:

- Digital Wallet feature works with Apple Pay, Google Pay, and PayPal wallets
- uChoose Rewards for BAC Business Debit Cards pays you points each time your card is used
- CardValet puts you in control in managing your company's debit cards

Helpful How-To Tools

All Personal Banking Videos
All Personal Banking Click-Thru Demos

All Business Banking Videos
All Business Banking Click-Thru Demos

100 Transactionsper monthly statement cycle
(30 cents ea. additional item)

For this account, a Transaction is any combination of deposited items, paid items, and deposits (except mobile deposits which are charged separately at 60 cents ea.)

$10,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)

20 Deposited Itemsper monthly statement cycle
(25 cents ea. additional item)

Any combination of deposited items and deposits (except mobile deposits which are charged separately at 60 cents ea.)

$20,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)

500 Transactionsper monthly statement cycle
(45 cents ea. additional item)

A Transaction within Commerce 500 Plus is any combination of issued checks and deposited items (except In-Office Deposits)

500 Transactionsper monthly statement cycle
(30 cents ea. additional item)

For this account, a Transaction is any combination of deposited items, paid items, and deposits (except mobile deposits which are charged separately at 60 cents ea.)

$5,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)

6 Withdrawalsper monthly statement cycle
($15 ea. additional debit)

See Transaction Limitations

Account Alerts
No Monthly Fee
Manage Account Alerts
to be delivered how and
when you want.

Account Features
No Monthly Service Charge
Fixed Terms
Earns Interest

See Transaction Limitations and
Early Withdrawal Penalty below

ACH Origination
$35 Monthly Fee, plus
Credit/Debit - 18 cents ea.
ACH File - $2 ea.
Set Up Fee - $250

Automatic Renewal
at Maturity

See Grace Period below

Business Credit Card
Available
Apply for a Business card to better manage purchases, even assign to employees as needed.

Business Debit Mastercard^®No Monthly Fee
Surcharge-Free ATMs
uChoose^® Rewards
CardValet^® App
ApplePay^® / GooglePay™

Business Loans
Available
Explore our variety of business solutions, talk with a local business banking professional, and apply for a loan to meet your needs.

Business Mobile Banking
No Monthly Fee
Access Cash Management
Biometric Log-In
Account Alerts
Mobile Deposit (60 cents ea.)

Checkbook AccessibleA combined limit of 6 transfers or withdrawals applies per monthly statement cycle
($15 ea. additional debit)

See Transaction Limitations

Domestic Wire Transfers
No Monthly Fee
Incoming - $15 ea.
Outgoing - $30 ea.

Earnings Credit
may offset Transaction fees
and fees for other account services

For this account, a Transaction is any combination of deposited items, paid items, and deposits.

Earns Interest
A fixed rate of interest is paid on the
available balance of this account.
Minimum balance may apply.

See Interest information below

View current rates

Contact us for assistance

Earns Interest
A variable rate of interest is paid on the available balance of this account.
Minimum balance may apply.

Contact us for current rate

Earns Interest
A variable rate of interest is paid on the available balance of this account.
Minimum balance may apply.

Contact us for current rate

In-Office Deposit
$35 Monthly Fee
Use your own compatible scanner or purchase a new scanner (prices vary).

In-Office Deposit
No Monthly Fee
Use your own compatible scanner or purchase a new scanner (prices vary).

Merchant Card Services by Clover
Available
Accept Visa^®, Mastercard^®, Apple Pay^®, Google Pay™, Samsung Pay^®, and other payments.

Monthly Service Charge
$12 monthly service charge
(this charge is waived when an average monthly balance of $3,000 is maintained)

Monthly Service Charge
$25 monthly service charge
(this charge is waived when an average monthly balance of $25,000 is maintained)

Monthly Service Charge
$95 monthly service charge
(this charge is waived when an average combined monthly balance of $100,000 is maintained. Combined average monthly balance on an unlimited number of Commerce 500 Plus accounts under the same tax ID.)

Monthly Service Charge
$22 monthly service charge
(this charge may be offset by Earnings Credit.)

Monthly Service Charge
$15 monthly service charge
(this charge is waived when an average monthly balance of $2,500 is maintained)

Monthly Service Charge
$5 monthly service charge
(this charge is waived when an average monthly balance of $500 is maintained)

Online Banking
No Monthly Fee
View account activity online.

Online Bill Pay
No Monthly Fee
Schedule one-time and recurring payments to nearly any U.S. company or individual.

Online Cash Management
$25 Monthly Fee
Manage Users
Paperless Statements
Download & Export
to Excel, Quick Books, etc.

Also includes:
Online Bill Pay
Mobile Banking
Positive Pay
Online Wire Origination

Online Cash Management
No Monthly Fee
Manage Users
Paperless Statements
Bill Pay

Online Cash Management
$25 Monthly Fee
Manage Users
Paperless Statements
Download & Export
to Excel, Quick Books, etc.

Positive Pay
No Monthly Fee*
Fraud Mitigation
for checks and
ACH Items.

*When enrolled in Online Cash Management.

($25 Monthly Fee per Account if not enrolled in Online Cash Management)

Positive Pay
No Monthly Fee
Fraud Mitigation
for checks and
ACH Items.

Smart ALAC™
Choose your own personal banker
Ask banking questions anytime
Securely share documents
Video chat with your local banker

Stop Payments
Unlimited with No Fee
when placed through
Online Cash Management.

($33 ea. if initiated by any other method)

ZRent / ZDeposit
Available, No Monthly Fee
If you have any kind of rental property, effortlessly collect monthly rent from tenants and manage security deposits.

(ZRent and ZDeposit are free for all users when deposits are made through BAC Community Bank, a ZSuite partner bank.)