Business Banking
Commercial Savings Account
Your business savings should do more than sit idle, they should strengthen your financial position. TCB Commercial Savings is designed to support your company’s growth, helping you earn competitive returns while keeping funds within reach. It’s the reliable foundation for building stability and seizing future opportunities.
Quarterly Maintenance Fee
$10 quarterly maintenance fee that can be waived if you meet e-statement or balance requirements.
Earns Interest
Earn interest at competitive market rates on your balance.
Minimum Opening Deposit
Open your account quickly and easily in-branch with a minimum opening balance of just $100.
Earn interest on your account balance.
With a TCB Commercial Savings account, your money works as hard as you do. Earn interest on your balance, helping you grow your funds. 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 quarterly maintenance fee of $10, but you can avoid the fee by doing one of the following each quarterly statement period:
- The account is enrolled in e-statements
- OR the account maintains a minimum daily balance of $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.
Frequently Asked Questions
What is the Commercial Savings Account?
TCB Commercial Savings is a business savings account designed to help your company earn interest while maintaining easy access to funds. With a low minimum opening deposit and competitive rates, it’s ideal for building your business reserves.
Does the Commercial Savings account earn interest?
Yes, your Commercial Savings account earns interest at competitive market rates on your balance. The rate is variable and may change at any time, helping your business funds grow while remaining accessible.
What is the minimum balance required to open a Commercial Savings account?
The minimum balance required to open a TCB Commercial Savings account is $100, making it easy to start saving for your business quickly.
How can I avoid the quarterly maintenance fee?
You can avoid the $10 quarterly maintenance fee by meeting one of the following criteria: enrolling in e-statements or maintaining a minimum daily balance of $500 during the statement cycle.
How do I open a Commercial Savings account?
You can open an account at any TCB Branch. We’ll help set up your digital banking, debit card, and direct deposit so you can start enjoying the benefits right away.
What are the benefits of the Commercial Savings account?
The TCB Commercial Savings account offers several benefits, including earning interest at competitive market rates, unlimited transactions for complete flexibility, a low $100 minimum opening deposit, and easy fee waiver options.
Does this account have transaction limits?
There are no longer federal limits on the number of transfers or withdrawals you can make from your savings account. However, because this is an account designed for saving rather than frequent spending, excessive transaction activity may not be ideal. If you make regular payments or withdrawals, a Commercial Checking Account may be a better fit for your everyday business banking needs.
Is this account suitable for daily business operations?
While the Commercial Savings account offers unlimited transactions, if your business requires frequent payment processing or high-volume transactions, a TCB Commercial Checking account may better suit your operational needs.