Commercial Banking

Finally. A Commercial Bank That Gets My Business.

The Beach Cities Commercial Bank experience goes beyond loans, transactions, and deposits. It’s a trusted partnership rooted in a deep understanding of your goals and proactively looking for ways to help you achieve them. We provide hands-on, personal banking services customized to your needs - whether that’s at your office or digitally through our online banking services.

Commercial Checking

Small Commercial

  • Bill Pay - Pay bills and/or set up recurring payments
  • We pay for your first order of checks (standard)
  • Avoid monthly service fees with $500 average collected balance
  • Credit Card Program with approved credit (See Credit Card Solutions)
  • ATM/Debit Card with zero surcharges
  • $100 minimum opening balance

Commercial Interest

  • Simple interest with $2,500 minimum
  • Avoid monthly service fees with $2,500 average collected balance
  • Credit Card Program with approved credit (See Credit Card Solutions)
  • ATM/Debit Card with zero surcharges
  • $100 minimum opening balance

Account Analysis

Designed for businesses with higher transaction amounts and activity. This specialized checking account allows you to apply earning credits to offset service charges.

  • $100 minimum opening balance

Commercial Savings

Money Market Accounts (MMAs)

Features

Tiered higher-interest savings accounts with greater flexibility and access to funds.

  • Simple interest with $2,500 minimum
  • Avoid monthly service fees with $2,500 average collected balance
  • Credit Card Program with approved credit (See Credit Card Solutions)
  • ATM/Debit Card with zero surcharges
  • $100 minimum opening balance
  • Eight free withdrawals per statement cycle

Savings Accounts

Flexible interest-earning accounts with lower minimums and complete liquidity.

  • Simple interest with $100 minimum
  • Avoid monthly service fees with $100 average collected balance
  • Credit Card Program with approved credit (See Credit Card Solutions)
  • ATM/Debit Card with zero surcharges
  • $100 minimum opening balance

IOLTA 

An attorney-client trust account designed specifically for small and short-term deposits.

  • Simple interest earned
  • $100 minimum opening balance

 

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