FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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.

The UltraLink Checking Accounts

Explore our business checking options below to find the account that best fits your organization’s needs. Whether you're a startup, a growing company, or an established business with higher transaction volumes, our Ultralink programs offer flexible solutions designed to support you at every stage.

 

 

 

 

 

 

    
 

   UltraLink Zero+ 

UltraLink Grow

UltraLink Pro

UltraLink Elite

Best For

Startups, nonprofits, or low-transaction businesses

Growing businesses with moderate activity

Established businesses with higher transaction volumes 

Established businesses with higher transaction volumes

Minimum Opening Balance

$100

$500

$5,000

$10,000

Monthly Service Fee

$0

$20 

$75

$250

Monthly Fee Waiver Condition

None

Waived with an average monthly balance of $5,000

Waived with an average monthly balance of $50,000

Waived with an average monthly balance of $250,000

ACH Origination

Not Offered

Not Offered

Included

Included

Transactions per Statement Cycle

3 Outgoing Domestic Wires through Online Banking

Up to 200

Up to 400

Unlimited

Fee per Additional Transaction    

$20 for each additional Domestic wire 

$0.50 each

$0.50 each

N/A

Transactions Included

  • Checks

  • Mobile Deposits

  • Branch Deposits

  • Incoming/ Outgoing ACH

  • Incoming Wires (Domestic & International)

  • Outgoing Wires (Domestic)

  • Checks

  • Mobile Deposits

  • Branch Deposits

  • Incoming/ Outgoing ACH

  • Incoming Wires (Domestic & International)

  • Outgoing Wires (Domestic)

  • Checks

  • Mobile Deposits

  • Branch Deposits

  • Incoming/ Outgoing ACH

  • Incoming Wires (Domestic & International)

  • Outgoing Wires (Domestic)

  • Outgoing Wires (International USD)

  • ACH Origination

  • Remote Deposit Scanner

  • Positive Pay

  • Checks

  • Mobile Deposits

  • Branch Deposits

  • Incoming/ Outgoing ACH

  • Incoming Wires (Domestic & International)

  • Outgoing Wires (Domestic)

  • Outgoing Wires (International USD)

  • ACH Origination

  • Remote Deposit Scanner

  • Positive Pay

Additional Checking Programs

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

Commercial Savings

IOLTA

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

  • Simple interest earned
  • $100 minimum opening balance

Certificate of Deposit

Our Certificate of Deposit* (CD) account offers you a guaranteed return on your investment with competitive interest rates

  • Flexible Terms Chose from a variety of term lengths
  • Higher Interest Rates Enjoy higher returns compared to regular savings accounts
  • Automatic RenewalConveniently renew your CD at maturity

* The penalties for early withdrawal of CDs with terms up to 18 months is equivalent of 30 days interest. The penalties for early withdrawal of CDs with terms in excess of 18 months is equivalent to 90 days interest. No loss of principal for penalties (i.e. penalties will not invade principal).