Deposit Products • Lending Products • Cash Management

Our bank offers numerous types of deposit accounts to meet the different needs of our business customers.

ELITE CHECKING ACCOUNT
High interest checking with greater flexibility for managing your deposits. Unlimited check writing and free ATM access. Free online banking. Free bill pay. Free personal checks.
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ANALYZED BUSINESS CHECKING
This account is designed for larger firms with a high volume of checks and deposits and the need for specialized services unique to their own company.

BASIC BUSINESS CHECKING
This type of checking account is best for firms that write a limited number of checks and have a low volume of monthly deposits.

BUSINESS CHECKING WITH INTEREST
This interest bearing account is available for sole proprietorships, partnerships, and non-profit organizations.

ATTORNEY CLIENT TRUST ACCOUNTS
Each California law firm must have a separate trust account to hold the majority of their clients' funds. This is an interest bearing account that both receives and disburses client's funds.

BUSINESS MONEY MARKET ACCOUNTS
This account has three tiers of interest and is designed to assist in your firm's short-term investment strategy.

BUSINESS SAVINGS
A traditional savings account.

CERTIFICATES OF DEPOSIT
A Certificate of Deposit will allow you to create an investment strategy as short as seven days or as long as sixty months.

Commerce National Bank’s Cash Management team is ready to assist you and your company with today’s complex business processes. We offer personalized service while delivering a wide array of cash management products and solutions. Our automated systems can help you better manage your cash flow cycle, increase interest income to reduce borrowing expense, and reduce internal operational expense in order to increase efficiency.

Contact Us - For further information on how CNB can help your business better manage your collections and disbursements, please contact Tracy Wessman at 949.474.1020.

ECORP ONLINE
This innovative online banking system allows you to conduct your banking in a secure environment with password protection. Product features include: previous and current day account activity reports, check imaging, electronic bank statements, stop payments, account transfers, wires and ACH.

REMOTE DEPOSIT CAPTURE
Scan checks received from customers and issue deposits electronically to your account with CNB. Anytime day or night. It's the fastest way to turn check deposits into cash.
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COURIER SERVICE
We can schedule your check deposits to be picked up and delivered at your convenience. This can increase your productivity in the office by saving you time.

WHOLESALE LOCKBOX
Have your customers mail payments directly to a designated PO Box under your business name for processing. This improves your cash flow by reducing mail time through accelerated processing and check clearing.

ZERO BALANCE ACCOUNTS (ZBA)
Allows businesses to set up multiple accounts to be automatically depleted to a zero balance at the close of each business day. The benefit is the concentration of all funds into one main account.

POSITIVE PAY
This automated tool is designed to detect and prevent check fraud. By providing us with your accounts payable file, we are able to validate the check number and amount that we receive for payment. Any discrepancies are reported to you on a daily basis in order to decline payment before your account is debited.

CASH VAULT
You can eliminate the risk of transporting cash to the bank through our Cash Vault service. We can have your daily cash deposits picked up by an armored transport carrier and delivered to our central processing location.

CD ROM STATEMENTS
Provides businesses with a CD ROM of monthly statements and check images.