Skip to content

Click here to vote BAC for "Best Business Loans" Vote for us!
VOTE DAILY through 9/30/2022

What Our Customers Say...

Greg Risso, owner of Garlic Brothers in Stockton

"I can’t imagine banking anywhere else."

Garlic Brothers has relied on BAC Community Bank since opening day 25 years ago.
 
"In good times and in bad, BAC has always been there for me," says Greg Risso.
"Anyone who has had difficulties with big banks should give BAC a try."
 
GREG RISSO,  OWNER
GARLIC BROTHERS
STOCKTON

Eddie Lira
Eddie Lira
Executive Vice President,
Chief Commercial
Banking Officer
(209) 473-6827
Email

Michelle K. Daniel
Michelle K. Daniel
VP, Senior Relationship Manager
NMLS #1713645
(209) 473-6834
Email

Barbara M.W. Smith
Barbara M. W. Smith

VP, Senior Relationship Manager
NMLS #1568425
(209) 333-9648
Email

Fatima Seward
Fatima Seward
VP Senior Relationship Manager
NMLS #1503193
(209) 342-5297
Email

Carlos Villapudua

Carlos Villapudua
VP, Senior Relationship Manager
NMLS #2402310
(209) 342-5295
Email

Bill Gonzales

Bill Gonzales
VP, Senior Relationship Manager
NMLS #715023
(209) 944-1828
Email

Lisa Nell Noia

Lisa Nell Noia
Relationship Manager
NMLS #418955
(925) 887-2112
Email

 

Business Term Loan

  • Keep your business running with a business term loan
  • Features competitive rates and customizable financing options
  • Experienced relationship managers give you personalized service
LEARN MORE

 

Business Line of Credit

  • Stay in a position to take advantage of business opportunities
  • Use what you need and reuse without reapplying
  • Flexibility to pay competitive interest only on what you use
LEARN MORE

 

Commercial Real Estate Loan

  • Take your business to the next level with a new office
  • Available for purchase or rental income properties
  • Experienced relationship managers know the market
LEARN MORE

 

Agriculture Loans

  • Affordable financing to aid crop production
  • Equipment purchase to keep your business running
  • Farmland development financing
LEARN MORE

 

Business Credit Cards

  • Online application
  • Competitive interest rates and rewards
  • Employee cards at no extra cost
  • 24-hour customer service
LEARN MORE

 

Business Checking: Commerce 100

  • Flexible checking that provides simple solutions to banking
  • Ideal for small businesses with minimal transactions
  • Full-featured mobile banking available
LEARN MORE

 

Business Checking: Commerce 500

  • Versatile checking with 500 transactions per statement cycle
  • Designed for businesses with higher account activity
  • Customize your account services to improve efficiencies
LEARN MORE

 

Business Checking: Commerce 500 Plus

  • Bundled with our most popular business services for substantial monthly savings
  • Designed for businesses with higher account activity
LEARN MORE

 

Business Checking: Commerce 500 with Interest

  • Interest-bearing business checking account
  • Designed for accounts with higher volumes of activity
  • Maintain a monthly average balance to waive service fee
LEARN MORE

 

Business Checking: Commerce Analyzed

  • Analyzed checking that lets you easily track company finances
  • Ideal for large businesses with high transaction volumes
  • Offset monthly service fee with an Earnings Credit
LEARN MORE

 

Business Checking: Commerce Analyzed with Interest

  • Competitive interest-earning checking account
  • Available exclusively to large sole proprietors and non-profits
  • Account management services available
LEARN MORE

 

Business Savings: Commerce Savings

  • Maintain access to your company's funds when you need them
  • Enjoy liquidity and earn competitive rates on your balance
  • Requires a $100 minimum deposit to open
LEARN MORE

 

Business Savings: Commerce Money Market

  • Designed specifically for businesses that have higher balances
  • The higher your balance, the more interest you earn
  • Ability to waive the monthly service fee
LEARN MORE

 

Business Certificates of Deposit

  • Invest and grow your company's funds -- totally risk-free
  • Enjoy guaranteed returns and competitive fixed rates
  • Wide range of flexible terms to meet your company's needs
LEARN MORE

 

Online Cash Management

  • Access your business's account data anywhere there's Internet
  • Includes Business Mobile Banking for on-the-go convenience
  • Stay in control of company finances and balance information
  • Generate automatic ACH and wire transactions and more
LEARN MORE

 

Business Mobile Banking

  • Take your business on the road
  • Review account activity, transfer funds, and more
  • Works on compatible smartphones & tablets
  • Service is included with Online Cash Management
LEARN MORE

 

Business Mobile Deposit

  • Deposit checks from your mobile device when traveling
  • No need to drive to the bank branch or ATM
  • Available for Business Mobile Banking, upon request
LEARN MORE

 

Business Online Bill Pay

  • Pay company bills from virtually anywhere — including the office
  • Set up alerts, reminders, or recurring payments
  • Skip a trip to a branch, giving you time to conduct business
LEARN MORE

 

Wire Transfers

  • Initiate wire transfers through Cash Management online
  • Transfer money to and from vendors or other service providers
  • A secure and fast way to move money
LEARN MORE

 

ACH Origination

  • Make paying your employees hassle-free with direct deposit
  • Collect receipts via direct payment from across the U.S.
  • Easily make vendor and tax payments — all electronically
  • ACH payments can be scheduled to process any business day Monday - Friday, except Banking Holidays Opens a New Window. .
  • Same-day ACH available, with some limitations.
LEARN MORE

 

In-Office Deposit

  • No need for a bank run, deposit checks right from your office
  • Conveniently deposit checks in batches or one at a time
  • Enjoy fast payment processing and reduced accounting errors
LEARN MORE

 

Positive Pay

  • Reduce check fraud against your business
  • Transactions checked against supplied record
  • Questionable checks flagged for your review
LEARN MORE

 

Merchant Payment Card Processing

  • EMV / chip card processing
  • Credit and debit card acceptance
  • Payment devices
  • Mobile payment acceptance
LEARN MORE

 

Clover® Merchant Services

Clover® merchant services give you the ability to accept debit, credit, swipe or chip cards, and contactless NFC payments including Apple Pay®, Google Pay™, and Samsung Pay®. Payment processing can also integrate with online shopping carts and more.

These options are great for:

  • Retail Businesses
  • Professional Services
  • Restaurants
  • Non-Profit Organizations, and more
LEARN MORE

Business Debit Cards - Overview

  • Card features & benefits
  • MoneyPass® surcharge-free ATM network
  • CardValet® debit card controls from your smartphone
  • Digital wallet integration
LEARN MORE

 

Business Debit Cards - Digital Wallets

  • Apple Pay®
  • Google Pay
LEARN MORE

 

Business Debit Cards - uChoose® Rewards

  • Take your business to the next level with a new office
  • Available for purchase or rental income properties
  • Experienced relationship managers know the market
LEARN MORE

 

Business Debit Cards - Instant Issue

  • Have a new debit card made in minutes at any branch
  • Choose a design from our in-branch design gallery
  • Fast and convenient
LEARN MORE

 

ZRent

  • Automatic rent collection
  • Simplifies the bookkeeping for any landlord portfolio, including individual investors and family-owned rental properties
  • Ideal for a variety of rental properties, including hair salons, boat marinas, and horse stables
LEARN MORE

 

ZDeposit

  • Effortlessly manage rental security deposits
  • Digital platform streamlines opening, funding, and disbursements of security deposits
  • Saves time with automated workflows
LEARN MORE

 

More Business Services

  • Cash vault / armored service
  • Lockbox / remittance processing services
  • Sweep products
  • Zero balance accounts
  • and more
LEARN MORE

More Customer Experiences...


Kelly Wilson, Boys & Girls Clubs of Tracy

"Your people are just awesome."

Opened in 1989, the Boys & Girls Clubs of Tracy serve about 3,500 youth each year through various programs and community outreach. Kelly Wilson explains that when faced with a recent challenge, “BAC  was so ready to help us!”
 
As a result, the non-profit continues to serve as a resource for Tracy families.
 
KELLY WILSON, CEO
BOYS & GIRLS CLUBS
OF TRACY

 


Lynn and Randy Tei, owners of Zephyr Grill & Bar (Brentwood and Livermore) and Smith's Landing Seafood Grill (Antioch)

"BAC stepped in and saved the day!!"

In early 2020, Lynn Tei reached out to a different bank for a PPP loan, "but quickly found out that they were unable or unwilling to process our application," she explains. "So, we then turned to BAC Community Bank and were immediately walked through the process... and the loan was quickly approved! If not for such responsiveness, our company would not have survived, and we would not have been able to keep a portion of our staff employed."
 
LYNN TEI, OWNER
ZEPHYR GRILL & BAR
BRENTWOOD & LIVERMORE
 
SMITH'S LANDING SEAFOOD GRILL
ANTIOCH

 

Our Most Popular Business Solutions

 

Video

Video

Video

Video

Video

Video

Video