Personal Banking

Personal Accounts                                                                                            Move Your Accounts
          Checking
          Savings
          Money Market
          Health Savings Account
          CDs and IRAs
Debit Card 
Personal Loans


Commerce Preferred Checking

The Commerce Preferred Checking account earns interest on balances of $1,000 and over while incurring no monthly maintenance fees with unlimited debits and credits. This account generates a monthly electronic statement and gives you free access to internet banking, online bill pay and personal debit cards. Overdraft protection is also available upon approval. See current rates.

Commerce Complete Checking

The Commerce Complete Checking account earns interest on collected balances. The monthly maintenance fee can be avoided by maintaining minimum or average balances. In addition, this account offers, at no charge, a small safe deposit box, checks and official checks. The first five non-Bank of Commerce ATM transactions per month are free. This account generates a monthly paper or electronic statement and gives you free access to internet banking, online bill pay and personal debit cards. Overdraft protection is also available upon approval. See current rates.

Commerce Free Checking 
The Commerce Free Checking account has no monthly maintenance fee and no minimum balance requirement. The first five non-Bank of Commerce ATM transactions per month are free. This account generates a monthly paper or electronic statement and gives you free access to internet banking, online bill pay and personal debit cards. Overdraft protection is also available upon approval.

Commerce Savings 
The Commerce Savings account earns interest on collected balances. The monthly maintenance fee can be avoided by maintaining a $300 minimum balance; otherwise there is a $5 per month fee. If there are more than 6 withdrawals per calendar quarter; there is a $3 fee per withdrawal.

Commerce Minor Savings 
The Commerce Minor Savings account earns interest on collected balances. This account has no monthly maintenance fee. If there are more than 6 withdrawals per calendar quarter a $3 fee per withdrawal.

Commerce Money Market 
The Commerce Money Market account earns interest on collected balances. The monthly maintenance fee can be avoided by maintaining a $1,000 minimum balance; otherwise there is a $10 per month fee. Your first order of checks is complimentary. If there are more than 6 debits per month, there is a $10 fee per debit. See current rates.

Commerce Health Savings 
The Commerce Health Savings Account (HSA) is a convenient way to manage your healthcare costs if you have health insurance coverage under a high deductible plan. You can use HSA funds to pay for medical expenses deemed eligible under federal tax law. A Commerce HSA provides tax deductions for your contributions, tax-free earnings and tax-free withdrawals for qualified medical expenses. There are annual contribution limits and penalties for withdrawals not related to medical expenses.

The Commerce HSA earns interest on collected balances above a minimum of $100. The monthly maintenance fee can be avoided by maintaining a $100 minimum balance; otherwise there is a $5 per month fee. Also, your first order of checks is free. This account generates a monthly paper or electronic statement and gives you free access to internet banking, online bill pay and debit card access for qualified medical expenses. See current rates.

Commerce Certificate of Deposit  (includes our Commerce Traditional, Roth and SEP IRA’s)
The Commerce Certificate of Deposit (CD) is designed to give you a competitive rate combined with the safety and security provided by this popular investment instrument. Commerce CDs offer several term and interest payment options with an investment as little as $1,000 for a term as short as 7 days. See current rates.

Commerce Personal Debit Card
The Commerce Personal Debit Card gives you direct access to your checking account. The first five non-Bank of Commerce ATM transactions per month are free and it can be used anywhere Master Card® is accepted. The Commerce Personal Debit Card is a convenient way to manage your day-to-day expenses.


Personal Loans
Bank of Commerce provides an in-depth consultative team approach through our experienced Consumer Relationship Managers. We have the expertise to develop comprehensive solutions for your borrowing needs, ranging from home equity lines to vehicle loans while also offering deposit services. Your dedicated Consumer Relationship Manager will promptly assess your needs to provide financing options with flexible terms and competitive rates.

Examples of consumer loans include:

  • Home Equity Lines of Credit
  • Overdraft Protection
  • Vehicle Loans
  • Credit Card




Call us at 704.971.7000
or email us at banker@bocnc.com
Available Mon - Fri 8:30 AM to 5 PM

This innovative service brings our Bank to the corner of your desk, giving you the freedom to securely scan and deposit checks directly into your account at your convenience.

Home