PERSONAL Banking Services

GENERAL SERVICES

Bank of Commerce offers a variety of checking accounts and savings plans to suit your special needs. Please take time to discuss which options are best for you with our New Account Representative.

Bank of Commerce is here to serve you, and we will do this in a prompt, efficient, and friendly manner.

At Bank of Commerce, we know how important your time is, and we offer many convenient ways to access your accounts. As a customer of Bank of Commerce we will offer you free online banking, bill pay, your choice of a Bank of Commerce Debit or ATM card, and also 24 hour access to your accounts via the Bank of Commerce 24 hour phone service. Best of all we do not have a deposit cut-off time. What this means to you as an account holder, there is no more rushing to the bank, to get your deposit in by 2:00 p.m., you may receive same day credit up until the close of business. Now that’s convenience!

In addition to the wide range of deposit services, we offer many financing programs. Check with any of our loan officers when you’re ready to purchase a house, automobile, boat or any other major item. If you’re a business owner, see us about our full line of business loans.

At Bank of Commerce we appreciate and value your business. Here, you’ll receive the kind of service you merit from your bank.

Again, welcome to Bank of Commerce and thank you for allowing us to serve your banking needs.

SAVINGS & INVESTMENTS

 At Bank of Commerce we want to make sure your money is always working FOR YOU!

And, you want to be certain that you’re making the right decisions and earning as much as possible.

Our savings and investment opportunities are designed to maximize your hard-earned dollars, each and every day.

Bank of Commerce offers the following types of savings:

COMMERCE SAVINGS

• $100 minimum deposit to open
• Balance to maintain to avoid service charge is $300, otherwise $5.00 fee per month
• More than 6 withdrawals per calendar quarter will result in a $3.00 fee per transaction

COMMERCE MINOR SAVINGS

• $50 minimum deposit to open
• No monthly maintenance fee
• More than 6 withdrawals per calendar quarter will result in a $3.00 fee per transaction.

COMMERCE MONEY MARKET

• $1,000 minimum deposit to open
• Balance to maintain to avoid service charge is $1,000 otherwise $10.00 fee per month
• 6 transfers per month with no more than 3 checks or drafts, otherwise $10.00 fee

Whatever your financial goals or lifestyle, we are here to help. See a Bank of Commerce representative, to find out how Bank of Commerce can help you now to develop a program that’s right for you.

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CHECKING SERVICES

 At Bank of Commerce we work with you to help you select the account best suited for your financial situation and lifestyle. Bank of Commerce accounts are designed for total ease and convenience.

See a Bank of Commerce representative, and let us introduce you to our services. We’re confident you’ll find just what you’re looking for!

COMMERCE FREE CHECKING

• $100 minimum deposit to open
• No Monthly Fee
• No minimum balance to maintain
• No activity fee
• Free Internet Banking and Bill Pay
• No foreign ATM fees
• Overdraft Protection (upon approval )
• Free 24 hour account phone service at 704-971-1237

COMMERCE COMPLETE CHECKING

• $100 minimum deposit to open
• Balance to maintain to avoid service charge is $2500.00, or $10,000.00 average combined balance in checking/savings/money market/or certificate of deposit.
• No activity fee
• Free Internet Banking and Bill Pay
• No foreign ATM fees or other bank’s surcharges
• Free club checks
• Free small safe deposit box
• No fee for Official Checks
• No penalty CD withdrawal for medical emergencies
• $25,000 or more Equity Line with no closing cost (upon approval)
• Overdraft Protection (upon approval)
• Interest earned on collected balance
• Free 24 hour account phone service at 704-971-1237

For full disclosure or additional information on all Bank of Commerce accounts see a representative of Bank of Commerce.

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HEALTH SAVINGS ACCOUNT

A Bank of Commerce Health Savings Account (HSA) is a convenient way to manage your healthcare costs.

If you have heath insurance coverage under high deductible health plan, you can open and contribute to a Bank of Commerce HSA account. Then, when you have a medical expense deemed eligible under federal tax law, use your HSA funds to pay for it. A Bank of Commerce HSA can be used for most medical care, including insurance deductibles, dental, vision care, as well as over-the-counter drugs.

HSA’s provide tax deductions when you contribute, tax-free earnings, and tax-free withdrawals for qualified medical expenses. There are restrictions including how much you can contribute in a given year and penalties for withdrawals not related to medical expenses. Some features are:

• $100 minimum deposit to open
• Minimum balance to earn interest $100
• Balance to maintain to avoid service charge is $100 otherwise $5 fee per month
• Debit Card Access for qualified medical expenses
• Free Internet Banking and Bill Pay
• Free 24 hour account phone service at 704-971-1237
• First order of checks free

See a Bank of Commerce representative; we’ll be happy to explain it all to you. At Bank of Commerce, we are always Working for Your Business.

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CERTIFICATE OF DEPOSIT

People today are looking for those “just right” investment opportunities to maximize their hard-earned dollars.

Many are finding that Certificates of Deposit make an excellent short- or long-term choice…for any purpose, from buying a new car to saving for retirement.

Bank of Commerce Certificates are designed to give you the most competitive rates available…combined with the safety and security you associate with this popular investment.

With Bank of Commerce you will have many options, including a broad range of maturity dates and a choice of interest payment options.

Let the experienced staff of Bank of Commerce help you select the best alternatives to meet your current and future needs.

And remember…with a Certificate from Bank of Commerce you can relax knowing your deposits and the interest earned are insured by the FDIC.

You can open a Bank of Commerce Certificate with as little as $1,000.00 for a term as short as 7 days.

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RETIREMENT PLAN SERVICES

Smart retirement planning begins early! That’s because living the American dream after retirement takes more than modest means. And the chances are good that many who are working today won’t have enough in government or pension support to carry them through later.

Bank of Commerce wants to help you plan for those golden years- easily and conveniently. Bank of Commerce knows that those who begin retirement funding early and contribute on a regular basis are in the best position to enjoy many years of worry-free retirement. Saving seems easier too, because early savers can actually put away less each month than those who postpone saving and have to play catch-up!

Come by and see a Bank of Commerce representative, and let us show you how we can help take you into the future, safely and securely. We offer Traditional, Roth, and SEP IRA’s.

However you choose to save, remember to begin planning as early as possible. And if you have questions, Bank of Commerce will be here to help.

LOAN SERVICES

Bank of Commerce takes pride in our Lending staff and service we provide. Whether your need is for a home improvement or personal request, you are assured of receiving prompt, courteous, and professional service.

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