Business Banking
Commercial Checking Account
Your business deserves an account that works as hard as you do. TCB Business Checking is built to keep up—offering flexibility, convenience, and the tools you need to manage cash flow with confidence. Whether you’re launching your first venture or growing an established company, it’s the dependable foundation that helps your business thrive.
Earns Interest
Earn interest at competitive market rates on your balance when you maintain a minimum daily balance of $2,500.
Minimum Opening Deposit
Open your account quickly and easily in-branch with a minimum opening balance of just $100.
Treasury Management Tools
Access powerful treasury management tools to simplify cash flow, streamline payments, and keep your business finances running efficiently.
Free Debit Transactions
Get up to 250 free debit transactions each statement cycle, giving your business the flexibility to move money without added costs.
Earn interest on your account balance.
With a TCB Commercial Checking account, your money works as hard as you do. Earn interest on balances over $2,500, helping you grow your funds while enjoying the flexibility of a checking account. Whether you're saving for the future or planning your next big move, your money goes further. Stay in control of your finances with easy access to your funds, competitive rates, and the confidence of banking with a team that puts you first.
Easy ways to waive this account's monthly maintenance fee.
This account does have a monthly maintenance fee of $10, but you can avoid the fee by doing one of the following each monthly statement period:
- The account is a public funds or non-profit account
- OR the account is enrolled in e-statements during each statement cycle.
- OR the account maintains a minimum daily balance of $2,500 during the statement cycle.
Do more with digital.
View your current balances
Quickly see an up-to-date snapshot of all your account balances in one convenient place. Stay informed about your finances at a glance.
Manage ACH & Tax payments
Initiate ACH debits and credits directly from your account. Process payroll, vendor payments, and tax filings seamlessly in one platform.
Accept payments your way
Get paid faster with tap to pay, payment links, or scheduled invoices. Offer clients flexible payment options that work for your business.
Deposit checks from anywhere
Conveniently deposit checks using your phone, even multiple checks in a single session. Save time by banking from anywhere.
Take control of your bills
Easily manage and pay your bills in one place. Schedule payments, set up recurring transactions, and avoid late fees with a few simple clicks.
Control user access & permissions
Manage your team and define who can access digital banking features. Set client permissions to keep your accounts more secure and operations running smoothly.
More Features.
More Possibilities.
Banking should work for you, not the other way around. With our enhanced account features you have what you need to do more.
Send Money Instantly
Send and receive wires, originate ACH payments, and access powerful treasury tools with just a few taps, managing your business finances effortlessly.
Manage Users & Access
Control your team and define who can access digital banking features, setting custom permissions to keep accounts secure and operations running smoothly.
View External Accounts
TCB TotalView lets you link and see all your external accounts right from our app, providing a 360-degree view of your financial picture.
Positive Pay
Help protect your accounts from check fraud with positive pay by reducing unauthorized payments and keeping your funds safe.
Cash Management
Link your accounts to automate sweeps and zero balance arrangements, optimizing cash flow and ensuring funds are exactly where you need them.
Advanced Fraud Monitoring
Bank with peace of mind! Your account comes with advanced fraud monitoring, defending your money and personal information around the clock.
Custom Account Alerts
Stay in the know! Set up custom account alerts to monitor your activity and balances, so you're just a click away from what's happening with your money.
Client Service
Our exceptional client service team is here to help, ready to provide the personalized support you deserve.
Manage payment seamlessly with TCB business cards.
Choose from a full suite of payment options designed for the way you do business. TCB offers business credit cards, debit cards, and purchasing cards-each with built-in controls and management tools to help you monitor spending, set limits, and manage expenses with confidence. Whether you’re handling day-to-day transactions or major purchases, our solutions make payment management simple and secure.
Frequently Asked Questions
What is the Commercial Checking Account?
TCB Commercial Checking is a robust business account designed to support your company’s daily operations. It offers powerful treasury management tools, flexible transaction capabilities, and the ability to earn interest as your balance grows.
Does Commercial Checking earn interest?
Yes — if your minimum daily balance remains at $2,500 or above, your account earns interest at competitive market rates. The rate is variable and may change at any time, helping your business funds work harder while staying accessible.
What is the minimum balance required to open a TCB Commercial Checking account?
The minimum balance required to open a TCB Commercial Checking account is $100.
How can I avoid the monthly maintenance fee for the TCB Commercial Checking account?
You can avoid the $10 monthly maintenance fee by meeting one of the following criteria: the account is a public funds or non-profit account, being enrolled in e-statements during each statement cycle, or maintaining a minimum daily balance of $2,500 during the statement cycle.
What treasury management tools are available?
Commercial Checking includes access to powerful treasury tools such as ACH origination for debits and credits, wire transfers, positive pay fraud detection, cash management features like sweeps and zero balance arrangements, and comprehensive digital banking with customizable user permissions.
How do I open a Commercial Checking Account?
You can open an account at any TCB Branch. We’ll help set up your digital banking access, treasury management tools, and user permissions so your team can start managing business finances efficiently right away.
What are the benefits of the TCB Commercial Checking account?
The TCB Commercial Checking account offers several benefits, including the ability to earn interest, up to 250 free debit transactions per statement cycle, access to treasury management tools, fraud protection features, and robust digital banking with multi-user access controls.