People are friendly and I've been a member at this bank for years now.
Reviewed on Google
Very helpful, always friendly. Best customer service. Online accounting security goes the extra mile, loan officers are the best around.
Reviewed on Yelp
The personal outstanding service we receive is phenomenal
Reviewed on Yelp
We have been banking with BAC for 20 years and have always enjoyed their service. I highly recommend BAC!
Reviewed on Yelp
I absolutely love this bank! The best customer service ever! They remember you, and are very friendly!
Reviewed on Google
I would not use another bank for my personal accounts. Highly recommend!
Reviewed on Yelp
This is a great bank. Each employee is courteous and respectful while also full of knowledge.
Reviewed on Yelp
Account Summary
A personal checking account that does not earn interest.6
For accountholders between 13-17 years old (Requires an adult age 18 or older as joint owner.)
No recurring monthly service charge (At age 18, account converts to a free Select Checking or accountholder may choose any other account type available.)
Debit MasterCard for ATM and point of sale purchases with spending control options and other features accessible through Online Banking and Mobile Banking4
We also offer a Minor Savings account that can be linked to the Teen Checking.
Savings Calculator
Whether it's a down payment on a car, college plans, or a phone...a savings plan can help you reach your goal. Use our Savings Goal Calculator to explore ways to save for things that are important to you.
Other Financial Calculators
Use our other Financial Calculators to better understand how loans work, how our reward checking accounts work, and more!
All accounts subject to approval. Restrictions and limitations may apply.
Information is accurate as of August 1, 2024.
There are no recurring monthly service charges or fees to open or close this account.
Other fees related to overdrawn account, non-sufficient funds, etc. may apply. See our Personal Deposit Accounts Fees & Information Schedule for fees that may apply to this account. Contact a BAC service representative for additional information, details, and restrictions.
Footnotes Specific to Teen Checking at BAC Community Bank
4Service included at no charge. Customer may need to initiate use of the service by enrolling in or requesting the service.
6At any time and at the discretion of BAC Community Bank standard features and account requirements may change after account is opened.
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.)
