If you want simple ways to manage your cash, you’ll get it at Mercantil Commercebank. Select from a variety of checking and savings accounts that are designed to accommodate your business activity and include the features to access and control your cash. A personal banker can help you select the account that will give your business the most value. We realize that by making your day-to-day banking activity easy, you have the time to take your business further.

MCB Business Checking

This is the right selection if you want to:

  • Have a basic checking account and access to monthly eStatements online
  • Perform no more than a combined 150 transactions each month, including deposits, checks, online banking bill payments, debit card purchases, wire transfers and cash withdrawals
  • Maintain varying account balances and never worry about incurring a monthly service charge if your balance falls below a certain amount when you enroll in eStatements
  • Waive the monthly service charge on an MCB Business Savings account ²,³

MCB Business Checking Plus

This is the right selection if you want to:

  • Get the convenience of MCB Business Checking, plus the flexibility to accommodate high checking account activity
  • Perform up to 400 combined transactions each month, including deposits, checks, online banking bill payments, debit card purchases, wire transfers and cash withdrawals
  • Avoid paying a monthly service fee by maintaining a $5,000 minimum monthly average balance or combined balance of $25,000 in all of your business accounts at Mercantil Commercebank
  • Waive the monthly service charge on an MCB Business Savings account ²,³

MCB Business Analysis¹

This is the right selection if you want to:

  • Offset monthly checking account fees with earnings credit rate
  • Perform more than 400 combined transactions each month, including deposits, checks, online banking bill payments, debit card purchases, wire transfers and cash withdrawals
  • Earn credit allowances that can help offset some or all monthly service fees ¹
  • Waive the monthly service charge on an MCB Business Savings account ²,³

MCB Business Interest Pro³

This is the right selection if you want to:

  • Earn interest on your checking account if you are a sole proprietor or non-profit organization
  • Avoid paying a monthly service fee by maintaining a $1,500 minimum monthly average balance
  • Have unlimited check writing capability
  • Waive the monthly service charge on an MCB Business Savings account ²,³

MCB Business Trust (IOTA)²,³

This is the right selection if you want to:

  • Hold funds in trust or escrow for a third party
  • Earn interest on deposits to be in compliance with the IOTA rule
  • Simplify bookkeeping associated with holding funds in trust or escrow on behalf of a third party
  • Avoid paying a monthly service fee
  • Have unlimited check writing capability

MCB Business Savings²,³

This is the right selection if you want to:

  • Earn a competitive rate of return on idle cash
  • Establish a simple way to save for a future purchase or business expense
  • Set money aside for an emergency or unexpected expenses
  • Make deposits directly into an interest earning account
  • Avoid paying a monthly fee by opening any business checking account at Mercantil Commercebank and enjoy the security of overdraft protection

MCB Business Money Market²,³

This is the right selection if you want to:

  • Earn higher interest on higher balances
  • Write a just a few checks each month
  • Avoid paying a monthly fee by maintaining a $5,000 minimum monthly average balance or combined balance of $25,000 in all of your accounts with Mercantil Commercebank

Add the Extra Features

Once you select the accounts that are best for you: 

  • Online Wire Transfer Service
  • Mercantil Commercebank Visa® Business Check Card with Visa Savings Edge† and Visa Extras†† (N/A for MCB Business Trust (IOTA) Account)
  • Online Banking and Check Images for applicable accounts
  • eStatements (MCB Business Analysis statement includes Analysis Program)
  • Overdraft protection (excludes IOTA and Savings accounts)

¹ Service Charges on this account are determined by our Analysis Program, which allow us to assess service charges based upon the activity and balance of the account, offset by an Earnings Credit for investable balances maintained with us. The Earnings Credit is calculated by using the previous month’s 91 day Treasury Bill average rate applied to the investable (collected) balance for the month, less a 10% reserve requirement. An FDIC Insurance Fee is assessed due to the cost of the FDIC insurance coverage. Fee is calculated by using the current FDIC charge factor times the monthly average daily balance or $1 minimum charge for FDIC assessment. ² Federal Regulation limits preauthorized, automatic or telephone agreement transfers to six (6) per statement cycle. ³ Interest may be charged for the use of uncollected funds and factored into the Analysis Program at the Commercial Reference Rate plus 2%. Overdraft interest is charged at the rate of 17.50% annually. If account is closed before interest is credited, you will not receive the accrued interest. * For additional fees related to these accounts, please refer to our Miscellaneous Service Fee schedule at www.mercantilcb.com. Save money on business products and services with special offers from the brands you trust. Enroll your Visa Business Check Card in Visa Savings Edge for free to save money on qualifying purchases at participating merchants. No coupons. No forms. Just great discounts. Learn more at www.visasavingsedge.com. †† Earn points toward great rewards for all qualifying purchases††† you make with your enrolled Visa Business Check Card. Learn more at www.visaextras.com. Visa Extras is available for domestic accounts only. ††† Qualifying Purchase is any signature-based purchase, Internet purchase, phone or mail-order purchase, or automatic bill payment, made with an enrolled Visa card, that is processed or submitted through the Visa U.S.A. Inc. transaction processing system. You must sign for all in-store purchases you make with an enrolled Visa card in order for such purchases to be deemed qualifying purchases.