Business Banking Solutions

At Muskegon Commerce Bank, you'll find the right financial products and services for your business. How can we be so sure? Because, if you don't find it here, chances are we can build it for you. We pride ourselves on providing small businesses, professional practices, entrepreneurs, and other individuals with a single source for all their financial services. So, check out our deposit, loan, investment, and other services. And don't hesitate to come to us with your special needs. We're here to help.

Deposit Accounts

Business Checking:

  • No minimum balance
  • Monthly service charge of $5
  • $.15 per check written or other debit
  • $.10 per item deposited
  • Monthly statements
  • Earnings Credit

Small Business Checking:

  • No minimum balance
  • Monthly service charge of $5
  • $.25 per debit over 75 per statement
  • $.25 per item deposited over 75 per statement
  • Monthly Statements

Interest Checking/Non Profit Checking:

  • No Monthly Service Charge
  • Unlimited check writing
  • Monthly interest paid on collected balances
  • Monthly statements
  • $.15 per check written or other debit
  • $1,000 minimum balance to open

Cash Management:

  • Interest calculated on daily collected balance
  • Up to 6 pre-authorized withdrawals per month, 3 may be checks
  • Unlimited withdrawals in person
  • Monthly service charge of $5 and $.25 per check/debit fee if minimum daily balance falls below $1000
  • Monthly statements
  • Interest Rates are based on a tiered system

Statement Savings:

  • $200 average daily balance
  • If average balance falls below $200, a service charge of $6 per quarter
  • Interest is calculated on average collected balance
  • Quarterly statements
  • APY is based on quarterly compounding of interest
  • $.50 for each withdrawal in excess of 5 per month

Benefits and Convenience Services

Customer Benefits

  • 1 Free deposit bag
  • Free coin wrappers and currency straps
  • 1 Free night deposit bag/service
  • No FDIC service charge
  • No deduction for reserve requirements in service charge calculations
  • Courier Service- Must maintain a daily balance of $50,000 or a charge of $10.00 per pickup will apply
  • Earnings credit for the average monthly collected balance on the account. This credit is used to partially or completely offset monthly service charges.
  • Business Debit Card

Merchant Bankcard
Our Merchant Bankcard services are an easy, fast, safe way for your customers to pay for their purchases. Plus, you will be paid for all transactions within a few days of the purchase. With a simple method of authorization and deposit, a consolidated monthly billing statement, and automatic billing through your checking account, our Merchant Bankcard services offer your customers a way to pay that makes it easier for them to do business with you.

Business Courier Service
Our courier service takes the hassle out of making deposits. And daily pickups at your place of business aren't limited to our branch routes; we'll come to you wherever you're located. Tamper proof, personalized bags ensure that your deposits are handled safely and confidentially. Deposits picked up are credited to your account that same day, without delay.