Business Checking | Commercial Checking | Community Interest Checking | |
Account Type | For businesses with fewer than 250 transactions | For businesses with more than 250 transactions | For government agencies, qualified 501(c)3 organizations and community associations |
Monthly Fee | $12 | $20 | $12 |
Balance Needed to Avoid Fee | $1,500 | Varies | $1,500 |
Interest or Earnings Credit | None | Earnings credit* to offset monthly fees based on balances maintained | Tiered rates: $2,500–$49,999.99 $50,000 and over |
Per Item Fee | First 250 items are free $.50 for each additional item | Deposits $.75 Items deposited $.20 Debits $.20 ACH debit $.15 ACH credit $.25 | First 250 items are free $.50 for each additional item |
*An earnings credit allowance based on your average collected balances will be applied toward your monthly activity fees.
Maximize your return on available fund balances by automatically transferring funds between your operating account and an investment or loan account. A sweep eliminates manual daily transfers and ensures that your money is always working for you.
Use a ZBA to separate certain transaction activities like payroll from your operating account. The ZBA is tied to your company’s main operating account.
Law firms may utilize this account to earn interest on short-term client funds.
Our Business Banking customers have a wide array of features and options when it comes to ordering checks. An American Community Bank & Trust Business Banker can assist you with reordering your checks.