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

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

Alysha Reddy
Customer Service Manager
Modesto Branch
(209) 342-5294
Email

Andy Narayan
Customer Service Manager
Country Club Branch
(925) 753-2245
Email

Brenda Harrison
Customer Service Manager
Lodi Branch
(209) 367-9413
Email

Kimberly Guthrie
Customer Service Manager
Cal-Weber Branch
(209) 444-3211
Email

Tomasa Morales
Customer Service Manager
Antioch Branch
(925) 776-2200
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

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

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

• Low down payment
• Low fixed interest rate
• Term up to 10-25 years

Agriculture Loans

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

Business Credit Cards

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

Business Checking: Commerce 100

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

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

Business Checking: Commerce 500 Plus

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

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

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

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

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

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

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

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

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

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

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.

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

Positive Pay

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

Merchant Payment Card Processing

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

Smart Sweep DDM by BAC

• FDIC insurance reduces the risks associated with money fund investing
• Diversification of deposits among multiple FDIC-insured banks reduces overall exposure
• Avoid the burden of dealing with numerous bank relationships and benefit from a high level of FDIC insurance through a single contact point

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

Business Debit Cards - Overview

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

Business Debit Cards - Digital Wallets

• Apple Pay^®
• Google Pay^™

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

ZDeposit

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

More Business Services

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