PERSONAL

 

CHECKING

PREMIUM Checking

  • Minimum of $100 to open

  • ID Protect- Identity Theft Protection and Monitoring**

  • Roadside Assistance 

  • Cell Phone Protection 

  • Free Visa Debit Card

  • Unlimited check writing

  • Overdraft coverage available

  • Internet banking with bill pay

  •  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. ​

  • If the account is closed within 90 days of
    opening, a $20.00 early closing fee will
    apply

  • $8 Monthly service fee if the daily balance falls below $1500 and you receive paper statements ​

  • $5 Monthly service fee if the daily balance falls below $1500 and you receive E-Statements​

  • $0 Monthly service fee if a $1500 daily balance is maintained and you receive E-Statements

  •  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 Assistance 

  • Cell Phone Protection 

  •  Free Visa Debit Card

  • Unlimited check writing

  • Overdraft coverage available

  • Internet banking with bill pay

  • 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. ​

  • If the account is closed within 90 days of opening, a $20.00 early closing fee will apply

  • $10 Monthly service fee if daily balance falls below $2500

  • $0 Monthly service fee if daily balance of $2500 is maintained

  • 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*

  • Unlimited check writing

  • Free Visa Debit Card

  • If the account is closed within 90 days of
    opening, a $20.00 early closing fee will
    apply

  • $3 Monthly Service Fee 

  • ​$0 Monthly Service Fee if a daily balance of $1000 is maintained OR you receive E-statements 

**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.

* Applies to students ages 15-23. Service fees will begin on the account holder's 24th birthday. 

 

SAVINGS

Investment Savings

  • Minimum of $300.00 to open

  • $5.00 quarterly service fee if balance falls below $300.00

  • Minimum opening deposit and Service Fee will be waived if the account receives transfers from the Savings Made Simple feature

  • Variable interest rate based on a tiered structure

  • Limited to 6 withdrawals per statement cycle

  • $1.00 Excessive withdrawal fee for each withdrawal over 6

  • If the account is closed within 90 days of opening, a $20.00 early closing fee will apply

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

 
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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.

Fresh Start Loan and Deposit Program 

Program for individuals who would like the opportunity to build a good credit record or to repair their credit record while learning the basics of financial responsibility and establishing a relationship with a local bank. For complete program details and additional requirements and qualifications, please call Timothy Stanciel at 662-459-0303.