Secure Now | BAC | Brentwood, Modesto, Stockton - CA

Secure Login - Online Banking and Mobile Banking

Every time you log in to Online Banking or Mobile Banking, you're protected with strong multi-layer security that not only verifies your identity, it also confirms the device you're using to access your accounts.

What to Expect

New Device
When you access Online Banking or Mobile Banking with a new device, our system will prompt you for additional validation. You may be asked to further verify your identity by entering a one-time passcode. This multi-factor approach gives you peace of mind by offering powerful protection against online fraud.

First Time Log In
You'll be prompted to enter at least one phone number. In the future, this number may be used to help authenticate your identity. Choose a method (text or phone call) to receive your one-time passcode, and simply enter this code to securely log in.

Manage Personal Settings
Online Banking - Once logged in, the "Profile" tab is where you can manage your personal settings, including your password, phone numbers and other information used to authenticate your identity.

Mobile Banking - To manage these settings inside the Mobile Banking app, click "More" and then click "Manage two-factor authentication".

See It In Action

Watch A Video
Watch the “SecureNow” videos on this page to see a demonstration of the new multi-factor identity verification process.

Helpful Videos & More

100 Transactionsper monthly statement cycle
(30 cents ea. additional item)

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.)

$10,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)

20 Deposited Itemsper monthly statement cycle
(30 cents ea. additional item)

Any combination of deposited items and deposits (except mobile deposits which are charged separately at 60 cents ea.)

$20,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)

500 Transactionsper monthly statement cycle
(45 cents ea. additional item)

A Transaction within Commerce 500 Plus is any combination of issued checks and deposited items (except In-Office Deposits)

500 Transactionsper monthly statement cycle
(30 cents ea. additional item)

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.)

$5,000 Cash Deposit
per monthly statement cycle
(15 cents ea. additional $100)

6 Withdrawalsper monthly statement cycle
($15 ea. additional debit)

See Transaction Limitations

Account Alerts
No Monthly Fee
Manage Account Alerts
to be delivered how and
when you want.

Account Features
No Monthly Service Charge
Fixed Terms
Earns Interest

See Transaction Limitations and
Early Withdrawal Penalty below

ACH Origination
$35 Monthly Fee, plus
Credit/Debit - 18 cents ea.
ACH File - $2 ea.
Set Up Fee - $250

Automatic Renewal
at Maturity

See Grace Period below

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 WalletsUpload 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 AccessibleA limit of 6 withdrawals of any kind
applies per monthly statement cycle
($15 ea. additional debit)

See Transaction Limitations

Domestic Wire Transfers
Incoming - $15 ea.
Outgoing - $30 ea.

Domestic Wire Transfers
Incoming - No Fee
Outgoing - First 4, No Charge;
$30 ea. additional

Wires originating outside of
Cash Management - $30 each

Earnings Credit
may offset Transaction fees
and fees for other account services

For this account, a Transaction is any combination of deposited items, paid items, and deposits.

Earns Interest
A fixed rate of interest is paid on the
available balance of this account.
Minimum balance may apply.

See Interest information below

View current rates

Contact us for assistance

Earns Interest
A variable rate of interest is paid on the available balance of this account.
Minimum balance may apply.

Contact us for current rate

Earns Interest
A variable rate of interest is paid on the available balance of this account.
Minimum balance may apply.

Contact us for current rate

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.)