PERSONAL

 

CHECKING

We have a lot of things going for us, but the main thing that sets Bank of Commerce apart is personal relationships. We're a hometown bank, and our mission is to make your financial life as easy as possible.

PREMIUM Checking Account

  • Minimum of $100 to open

  • ID Protect- Identity Theft Protection and Monitoring**

  • Roadside Assitance 

  • Cell Phone Protection 

  • Free Visa Debit Card

  • Unlimited check writing

  • Overdraft coverage available

  • Internet banking with bill pay

  • No Fee for Full-Time Students under 24

  • Savings Made Simple Transfer

    • Enhance your savings opportunity by rounding up your spare change per debit card transaction and add it to a savings account. ​

  • $5 Monthly Maintenance Fee

  • $3 Monthly Statement Fee, waived with E-Statement

  • No Fee for Full-Time Students under 24

ULTRA Checking (Interest Bearing)

  • Minimum of $2,500 to open

  • Pays Interest

  • ID Protect- Identity Theft Protection and Monitoring**

  • Roadside Assitance 

  • Cell Phone Protection 

  • Free Visa Debit Card

  • Unlimited check writing

  • Overdraft coverage available

  • Internet banking with bill pay

  • No Fee for Full-Time Students under 24

  • Savings Made Simple Transfer

  • Enhance your savings opportunity by rounding up your spare change per debit card transaction and add it to a savings account. ​

  • $10 Monthly Maintenance Fee

    • Waive this fee by maintaining a $2500 balance per statement cycle

  • No-Fee Paper Statement 

  • No Fee for Full-Time Students under 24

Ultra checking is for individual and non-commercial customers only. This account pays a variable interest rate based on a tiered structure.

CHOICE Checking

  • $0 Minimum to Open

  • No Fee for Full-Time Students under 24

  • Free Visa Debit Card

  • $3 Monthly Maintenance Fee 

    • Waive this fee by enrolling in E-Statements and receiving ACH Credits totaling $1000 in a statement cycle OR maintaining a $1000 minimum balance

**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. 2 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. 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.

 

SAVINGS

Savings accounts are not as simple as they once were. A variety of factors play a role in choosing the right account, such as time frame and the amount of money you are putting away. Whether you're saving for the short term or for retirement, your money is always accessible. Call us and let us help you choose the best option for your needs.

Investment Savings

  • Minimum of $300.00 to open

  • Variable interest rate based on a tiered structure

  • Service fee of $5.00 per quarter if balance falls below $300.00

  • Limited debits allowed

IRAs

For your convenience and tax savings, we offer various types of Individual Retirement Accounts that mature from six months to five years. Contact us to discuss your IRA needs.

CDs

  • CDs with maturities ranging from 29 days to 5 years

  • All certificates of deposit have a substantial penalty for early withdrawal

 

LENDING

Bank of Commerce takes pride in our loan department staff and the service we provide. You are assured of receiving personal, concerned interest toward your loan request. All our loans are approved and processed locally to give you faster and more personal service.

Residential Mortgages

Let us help you get a home of your own with fast service, convenient terms and low closing costs. Our loan officers will find a plan to best fit your needs.

Home Improvement Loans

From remodeling to home additions, we can help you achieve your #housegoals.

Personal Loans

Personal loans are available on a secured and unsecured basis. These loans may be installment or single pay.

Vehicle Financing

We make auto loans for the purchase of new cars and trucks up to 72 months. We will finance used cars up to 60 months, depending on age, condition and banking relationship.

Home Equity Loans

Taking advantage of your home's hidden value can be used for home improvements, major purchases, debt consolidation, medical expenses and much more. Use your approved funds at once, or set up a line of credit to use when and where you need it.

Ag and Land Financing

Our locations in Mississippi are surrounded by one of the state's most valuable assets - land. Farming families are vital to our community, and we want to keep their businesses as strong as possible. We offer a variety of loans associated with agriculture.