All accounts subject to approval. Restrictions and limitations may apply. There are no recurring monthly service charges or fees to open or close this account. Other fees related to overdrawn account, non-sufficient funds, etc. may apply. See our Personal Deposit Accounts Fees & Information Schedule for fees that may apply to this account. Contact a BAC service representative for additional information, details, and restrictions.
100 Transactions
per 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 Items
per monthly statement cycle
(30 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 Transactions
per 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 Transactions
per 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)
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
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
Apple Pay® / Google Pay™
Digital Wallets
Upload your
BAC Business Debit Mastercard® to
Apple Pay® or Google Pay™
to make secure purchases
quickly and easily.
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
Mobile Cash Management
Biometric Log-In
Account Alerts
Mobile Deposit (60 cents ea.)
Checkbook Accessible
A limit of 6 withdrawals of any kind
applies per monthly statement cycle
($15 ea. additional debit)
Domestic Wire Transfers
Incoming - $15 ea.
Outgoing - $30 ea.
Domestic Wire Transfers
Incoming - No Fee
Outgoing - First 4, No Charge;
$30 ea. additional
Wires originating outside of
Cash Management - $30 each
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.
Access to:
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
Access to Mobile Banking,
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.)
