Beach Community Bank NW Florida

Business and Commercial Banking


Checking and Savings
Free Small Business Checking
Small Business Checking
Beach Choice Business Checking
Commercial Account Analysis
Business Interest Checking
Non-Profit Checking
Commercial Money Market Account
Certificate of Deposit

Other Services
Business Bill Pay
Merchant Services
Cash Management Services
Beach Express Deposit
Additional Services


Free Small Business Checking
Exclusively offered to small businesses with a low volume of transactions.

  • $100 minimum deposit to open
  • No minimum balance or monthly service charge
  • 50 items free per month; $0.44 per item in excess
  • Monthly e-statements (required)
  • After $10,000, the excessive cash deposited fee is $1.50 per $1000

Small Business Checking
Designed for small to mid-sized businesses with a moderate amount of account activity.

  • $100 minimum deposit to open
  • $12 monthly service charge if average collected balance falls below $4,000
  • 100 items free per month; $0.44 per item in excess
  • After $10,000, the excessive cash deposited fee is $1.50 per $1000

Beach Choice Business Checking
Designed for businesses with higher balances and higher transaction volumes.

  • $100 minimum deposit to open.
  • $25 monthly service charge if average collected balance falls below $15,000.
  • 500 items per month FREE; $0.50 per excess item
  • After $30,000, the excessive cash deposited fee is $1.50 per $1,000.

Commercial Account Analysis
Customized account for businesses with a high volume of transactions.

  • $100 minimum deposit to open
  • $16.50 monthly service charge which can be reduced or eliminated based on earnings allowance and account balance
  • $0.17 per deposited item
  • $0.22 per debit item
  • $0.33 per deposit item
  • An earnings allowance, based on current market rates and computed using the positive average collected balance less 10% reserve requirement, is used to offset activity charges each month and is subject to change
  • After $10,000, the excessive cash deposited fee is $1.50 per $1000

Business Interest Checking
(Sole Proprietor Only)
Benefit from a full-service checking account while earning interest.

  • $100 minimum deposit to open
  • $16.50 monthly service charge if average collected balance falls below $2,500
  • 75 deposited items free; $0.22 per item in excess
  • 75 debit items free; $0.22 per item in excess
  • Tiered rate structure - higher interest rate with higher balance
  • Interest will be compounded daily, credited monthly, and paid on the daily collected balance
  • After $10,000, the excessive cash deposited fee is $1.50 per $1000

Non-Profit Checking
This account gives local non-profit organizations the best options for managing their money. This allows them to spend more time helping others instead of worrying about where to put their money!

  • $100 minimum deposit to open
  • $12 monthly service charge if average collected balance falls below $250
  • After $10,000, the excessive cash deposited fee is $1.50 per $1000

Commercial Money Market Account
Maintain access to your business’ funds while helping them grow. View current interest rates.

  • $1,000 minimum deposit to open
  • $16.50 monthly service charge if daily balance falls below $1,000 or if average collected balance falls below $2,500
  • Seventy-five (75) deposited items free; $0.22 per item in excess
  • Six (6) total debit transactions allowed each four (4) weeks or similar period; each additional debit or check/draft is $6 regardless of balance
  • Tiered rate structure - provides you with a higher interest rate with a higher balance
  • Interest will be compounded daily and credited to account monthly
  • After $10,000, the excessive cash deposited fee is $1.50 per $1000
Federal Law limits transfers to another account or third parties by pre-authorized, automatic, or telephone transfers to six (6) per month.
If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.

Certificate of Deposit
Offering long and short term maturities to increase your business’ assets. View current interest rates.

  • Minimum required to open a CD is $1,000
  • CD specials may require a higher minimum deposit to open
  • Early withdrawal penalties may apply

Business Bill Pay

You do not have to pay your bills with stacks of invoices and checks anymore! With our business bill pay, you can pay bills easily anywhere you have your computer and an internet connection.

  • Pay all your bills with one log-in.
  • Save on stamps and envelopes.
  • Create user ids with different authorities for employees.
  • Add up to 12 line item details per transaction.

Free for the first 90 days!
Only $5.95/month for 10 transactions and $0.55 each after.

See your customer representative to sign up today and have more time to relax!


Merchant Services
Increase sales by offering your customers a full range of debit and credit card payment processing options.


Cash Management Services
Our cash management services provide an easy way to earn interest on excess funds while keeping them liquid.


Beach Express Deposit
Using just your personal computer and check scanner, Beach Express Deposit allows you to deposit checks electronically into your Beach Community Bank business checking account without ever going to the bank.
Scan. Send. Done.

Realize these advantages:

  • Lower Costs
  • Time Savings
  • Streamlined Cash Management
  • Convenience

Additional Services
Please call 866.362.3224 or come in to ask about these additional products and services.

  • ACH
  • Business Savings
  • Health Savings Accounts
  • Condo/Homeowner Association Accounts

Member FDIC Equal Housing Lender

Commercial Lending

Business Loans

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