Enjoy basic checking with flexibility. Our Select Checking Account offers the freedom of unlimited checking and several ways to manage your account, 24/7.
Upwards of 40,000 locations nationwide (throughout the United States and Puerto Rico)
Smart ALAC™
Choose your own personal banker
Ask banking questions anytime
Securely share documents
Video chat with your local banker
Select Checking is a consumer checking account.
$100 minimum deposit to open
$5 monthly service charge
Waived with a $350 average balance The average balance is determined by adding the ending balance in the account for each day of the statement cycle and dividing that figure by the number of days in the cycle.
Statement Cycle: The period of time for which BAC provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. The statement cycle ends on the last business day of the month. The statement cycle begins on the first calendar day following the last business day of the month.
Business Day: Any day Monday through Friday, provided that the weekday is not on a federal holiday. When a federal holiday falls on a Sunday, the next Monday is not a business day.
Information is accurate as of April 1, 2025. All accounts subject to approval. Restrictions and limitations may apply. Our personal checking accounts are general purpose consumer accounts. Such accounts are not to be used for commercial purposes. There are no fees to open or close this account. At any time and at the discretion of BAC Community Bank standard features, service charges, and account requirements may change after an account is opened. A customer may need to initiate the use of some services by enrolling in or requesting the service.
For this account, a Transaction is any combination of deposited items, paid items, and deposits (except mobile deposits which are charged separately at 60 cents ea.)
For this account, a Transaction is any combination of deposited items, paid items, and deposits (except mobile deposits which are charged separately at 60 cents ea.)
Business Credit Card Available Apply for a Business card to better manage purchases, even assign to employees as needed.
Business Debit Mastercard® No Monthly Fee Surcharge-Free ATMs uChoose® Rewards CardValet® App Apple Pay® / Google Pay™
Digital Wallets Upload your BAC Business Debit Mastercard® to Apple Pay® or Google Pay™ to make secure purchases quickly and easily.
Business Loans Available Explore our variety of business solutions, talk with a local business banking professional, and apply for a loan to meet your needs.
Business Mobile Banking No Monthly Fee Mobile Cash Management Biometric Log-In Account Alerts Mobile Deposit (60 cents ea.)
Checkbook Accessible A limit of 6 withdrawals of any kind applies per monthly statement cycle ($15 ea. additional debit)
In-Office Deposit $35 Monthly Fee Use your own compatible scanner or purchase a new scanner (prices vary).
In-Office Deposit No Monthly Fee Use your own compatible scanner or purchase a new scanner (prices vary).
Merchant Card Services by Clover Available Accept Visa®, Mastercard®, Apple Pay®, Google Pay™, Samsung Pay®, and other payments.
Monthly Service Charge $12 monthly service charge (this charge is waived when an average monthly balance of $3,000 is maintained)
Monthly Service Charge $25 monthly service charge (this charge is waived when an average monthly balance of $25,000 is maintained)
Monthly Service Charge $95 monthly service charge (this charge is waived when an average combined monthly balance of $100,000 is maintained. Combined average monthly balance on an unlimited number of Commerce 500 Plus accounts under the same tax ID.)
Monthly Service Charge $22 monthly service charge (this charge may be offset by Earnings Credit.)
Monthly Service Charge $15 monthly service charge (this charge is waived when an average monthly balance of $2,500 is maintained)
Monthly Service Charge $5 monthly service charge (this charge is waived when an average monthly balance of $500 is maintained)
Online Banking No Monthly Fee View account activity online.
Online Bill Pay No Monthly Fee Schedule one-time and recurring payments to nearly any U.S. company or individual.
Online Cash Management $25 Monthly Fee Manage Users Paperless Statements Download & Export to Excel, Quick Books, etc.
Access to: Online Bill Pay Mobile Banking Positive Pay Online Wire Origination
Online Cash Management No Monthly Fee Manage Users Paperless Statements Bill Pay
Online Cash Management $25 Monthly Fee Access to Mobile Banking, Paperless Statements, Download & Export to Excel, Quick Books, etc.
Positive Pay No Monthly Fee* Fraud Mitigation for checks and ACH Items.
*When enrolled in Online Cash Management.
($25 Monthly Fee per Account if not enrolled in Online Cash Management)
Positive Pay No Monthly Fee Fraud Mitigation for checks and ACH Items.
Smart ALAC™ Choose your own personal banker Ask banking questions anytime Securely share documents Video chat with your local banker
Stop Payments Unlimited with No Fee when placed through Online Cash Management.
($33 ea. if initiated by any other method)
ZRent / ZDeposit Available, No Monthly Fee If you have any kind of rental property, effortlessly collect monthly rent from tenants and manage security deposits.
(ZRent and ZDeposit are free for all users when deposits are made through BAC Community Bank, a ZSuite partner bank.)
