FDIC Insured - Backed by the full faith and credit of the U.S. Government.
Personal Checking & Savings Accounts:
Personal Checking
Open a Checking Account Online, Anytime.
Our straightforward accounts are designed for everyday banking needs, and offer easy access to funds, online banking, and more. Each account type is crafted to cater to specific needs, ensuring there's a solution for every customer.
Debit Card
Checking isn’t complete without your FREE Bank of Commerce Visa debit card. With your Bank of Commerce debit card, you can access your checking account anywhere in the world. Thanks to instant issue debit cards, new account holders can expect their new debit card in a matter of days.
BOOST Checking
Our Boost Checking Account is designed for the everyday customer wanting to make their money work harder for them. • SERVICE FEE: $10 per statement cycle (monthly) or $0 if average daily balance of $1,000 maintained. $0 for full time students ages 15-23 • Minimum Opening Deposit: $50 • Average Daily Balance (ADB) of $1,000 and up earns variable rate of interest based on tiered structure: • 5.11% APY* for ADB of $1,000-$30,000 when these qualifications are met during the statement cycle: total of $1,000 or more in posted and cleared ACH Credits, at least 15 posted and cleared POS debit card transactions, and E-Statement enrollment • 0.49% APY* for ADB > $30,000 OR if qualifications are not met for balances within the 5.11% APY* ADB range • Reimbursement of up to $20 in ATM surcharges • Unlimited Transactions • ID Protect, Cellular Telephone Protection, Roadside Assistance Expense Reimbursement** • Free ATM/Debit Card Available • Free Online & Mobile Banking with Bill Pay • Overdraft Coverage Available • Services – Zelle (P2P transfer), Apple Pay, Google Pay, Samsung Pay • Savings Made Simple *Annual Percentage Yield (APY) is accurate as of 11/11/2024 and is subject to change without notice. Fees may reduce earnings. Account type is limited to one account per individual.
PREMIUM Checking Account
Want more than your average checking? Step up to PREMIUM Checking from Bank of Commerce, a powerful tool to support and protect your financial strength. This account delivers a wide range of benefits so you’ll always be taken care of. PREMIUM Checking helps you manage personal finances with the Financial Wellness 360 program. With unlimited one-on-one coaching, interactive courses and resources, you’ll be able to better meet your money goals head-on. For added protection, our identity monitoring will keep you aware of any suspicious activity. If you are a victim of identity theft, we’ll provide theft resolution services to help you get everything back in order. Plus, you’ll get access to credit monitoring so you can view your credit report and your VantageScore. PREMIUM Checking even has benefits like cell phone protection and roadside assistance reimbursement. With the Savings Made Simple program you can save by rounding purchases to the nearest dollar and depositing the rounded amount to your savings account. PREMIUM Checking from Bank of Commerce is the easy way to get a checking account that gives you more. • SERVICE FEE: $8 per statement cycle (monthly) OR $5 if daily balance falls below $1,500 and receives E-statements OR $0 if $1,500 daily balance maintained. $0 for full time students ages 15-23 • Minimum Opening Deposit: $100 • Unlimited Transactions • ID Protect, Cellular Telephone Protection, Roadside Assistance Expense Reimbursement** • Free ATM/Debit Card Available • Free Online & Mobile Banking with Bill Pay • Overdraft Coverage Available • Services – Zelle (P2P transfer), Apple Pay, Google Pay, Samsung Pay • Savings Made Simple
CHOICE Checking Account
When you’re just getting started, the choice is easy. Introducing CHOICE Checking from Bank of Commerce. This account takes good care of your basics, delivering the convenience and features of a checking account without any fuss. With no minimum balance requirement or monthly fees when you choose online statements, you get to choose when you spend your money and where you keep your balance, with an account that’s just for you. This account is perfect for students or first-time account holders. CHOICE Checking gives you everything you expect from a checking account without restrictions to hold you back. Make the right choice with CHOICE Checking from Bank of Commerce. • SERVICE FEE: $3 per statement cycle (monthly) OR $0 if daily balance of $1,000 maintained or receives E-statements. $0 for full time students ages 15-23 • Minimum Opening Deposit: $0 • Unlimited Transactions • Free ATM/Debit Card Available • Free Online & Mobile Banking with Bill Pay • Overdraft Coverage Available • Services – Zelle (P2P transfer), Apple Pay, Google Pay, Samsung Pay • Savings Made Simple
ULTRA Checking (Interest Bearing)
If you put more in, you should get more in return. Bank of Commerce is proud to offer ULTRA Checking, the ultra-answer when you keep a running balance above $2,500. This benefit-rich checking account earns market rate interest on balances of $1,000 or more and is offered with potentially no monthly service fee— a perfect solution for anyone who keeps a little more money in their account.  Just like PREMIUM Checking, you’ll get access to identity and credit monitoring services that protect you with identity theft monitoring, access to theft resolution services and easy access to your credit report with VantageScore. You’ll also receive benefits like roadside assistance reimbursement and cell phone protection. Access to Financial Wellness 360 lets you fine-tune your finances with interactive courses, videos and unlimited one-on-one financial wellness coaching. The Savings Made Simple program helps you save by rounding purchases to the nearest dollar and depositing the rounded amount to your savings account. ULTRA Checking delivers it all, all for you.  • SERVICE FEE: $10 per statement cycle (monthly) OR $0 if daily balance of $2,500 maintained. $0 for full time students ages 15-23 • Minimum Opening Deposit: $2,500 • Balances of $1,000 and up earn variable rate of interest based on tiered structure • Unlimited Transactions • ID Protect, Cellular Telephone Protection, Roadside Assistance Expense Reimbursement** • Free ATM/Debit Card Available • Free Online & Mobile Banking with Bill Pay • Overdraft Coverage Available • Services – Zelle (P2P transfer), Apple Pay, Google Pay, Samsung Pay • Savings Made Simple  ULTRA Checking is for individual and non-commercial customers only. This account pays a variable interest rate based on a tiered structure.
Student Checking
Available to students ages 15-23, the Student Checking account combines flexibility, convenience, and powerful financial tools. • SERVICE FEE: No monthly service fee until student turns 24. At that time, the monthly service fee will be $3 per statement cycle OR $0 if a daily balance of $1,000 is maintained or account holder receives E-statements. • Minimum Opening Deposit: $0 • Reimbursement of up to $20 in ATM surcharges • Unlimited Transactions • Free ATM/Debit Card Available • Free Online & Mobile Banking with Bill Pay • Overdraft Coverage Available • Services – Zelle (P2P transfer), Apple Pay, Google Pay, Samsung Pay • Savings Made Simple
* Applies to students ages 15-23. Service Fee will begin on the accountholder’s 24th birthday.
** Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit.
​
An Early Closing Fee will apply to any account closed within 90 days of account opening. A Dormant Service Charge of $2.50 per monthly statement or $7.50 per quarterly statement will be charged after 365 days of inactivity. See schedule of fees for more details.
Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.