Deposit Products

Our goal is to meet the needs of businesses of any size by offering a variety of accounts and providing access to a full spectrum of products on the cutting-edge of technology.

Consult with a private banker or commercial banker who can help you choose the best account solutions to meet the needs of your organization.

Business Checking

This non-interest earning checking account is ideal for lower volume businesses while still offering a full array of features and benefits.

Benefits

  • Free Online Banking with Bill Pay
  • Free MasterCard™ business check card
  • No fees at Bank of Central Florida ATMs or at any Publix Presto! ATM
  • Free imaged monthly bank statements and checks
  • Commercial courier service available
  • Night deposit bags available
  • Merchant services available
  • Remote capture express deposit available

Quick Facts

  • $100 minimum deposit to open
  • $10 monthly maintenance fee if average daily balance falls below $1,500
  • 200 items included per month ($.15 each additional item)

Business Checking Plus

This interest-bearing checking account is geared towards lower volume businesses and is available only to eligible non-profit entities, sole proprietorships, and government agencies.

Benefits

  • Free Online Banking with Bill Pay
  • Free MasterCard™ business check card
  • No fees at Bank of Central Florida ATMs or at any Publix Presto! ATM
  • Free imaged monthly bank statements and checks
  • Interest earning account
  • Commercial courier service available
  • Night deposit bags available
  • Remote capture express deposit available

Quick Facts

  • $100 minimum deposit to open
  • $10 monthly maintenance fee if average daily balance falls below $2,500
  • 200 items included per month ($.15 each additional item)

Commercial Checking

This fully analyzed account is designed for high volume businesses with more complex financial needs that require a full array of Treasury Management services.

Benefits

  • Business Internet Banking with Bill Pay
  • Free MasterCard™ business check card
  • No fees at Bank of Central Florida ATMs or at any Publix Presto! ATM
  • Free imaged monthly bank statements and checks
  • Commercial courier service available
  • Night deposit bags available
  • Merchant services available
  • Remote capture express deposit available
  • Full range of Treasury Management services available

Quick Facts

  • $1,000 minimum deposit to open
  • All monthly and per item fees assessed through account analysis

IOLTA

This account is for attorneys and law firms that hold clients’ funds in escrow. Interest is transferred monthly to the Florida Bar Foundation.

Benefits

  • Free Online Banking
  • Free imaged monthly bank statements and checks
  • Commercial courier service available
  • Night deposit bags available

Quick Facts

  • $1,000 minimum deposit to open
  • No monthly fees or per item fees assessed

Commercial Money Market

This account is a great savings product for any businesses that would like to earn a higher rate on funds not being used for daily operations.

Benefits

  • Free Online Banking
  • Free imaged monthly bank statements and checks
  • Interest earned at a competitive tiered rate and credited monthly
  • Commercial courier service available
  • Night deposit bags available
  • Higher interest earning account

Quick Facts

  • $1,500 minimum deposit to open
  • $10 monthly maintenance fee if average daily balance falls below $2,500
  • 6 items included ($5 each additional item)
  • Federal banking regulations limit you to six withdrawals or transfers to your other accounts or to third parties per statement period (in-bank withdrawals are unlimited)

Insured Cash Sweep (ICS)

This is a new savings product with access to multi-million dollar FDIC insurance protection on deposits.

Benefits

  • Enjoy peace of mind knowing your funds are protected by the Federal government
  • Earn interest by putting excess cash balances to work in a money market deposit account
  • Quick access to an online account to monitor and manage your funds
  • Save time by working with just one bank you can trust

Quick Facts

  • Higher balance required to open
  • Unlimited deposit capability
  • Limited to six withdrawals per month

Placement of funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements that you enter with us, including the ICS Deposit Placement Agreement. Limits and customer eligibility criteria apply. Program offered through Promontory Interfinancial Network, LLC.