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

UltraLink Zero Plus

Zero Fee Bill Pay Pay bills and/or set up recurring payments
Zero Fee AutoBooks for Small Businesses
Zero Fee Incoming Domestic and International Wires
Zero Fee for up to three (3) Domestic Outgoing Online Wires per month
Zero Fee Cashier's Checks
Free Initial Check Order up to $250
$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)

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

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

IOLTA

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

Simple interest earned
$100 minimum opening balance

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

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 Renewal Conveniently 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).