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Last Updated: 04/18/2025

City Bank Commercial Checking Account

in Business Checking Accounts from City Bank

Last Updated: 04/18/2025

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Highlights

Monthly Service Fee

$20(Verified 03/19/2025)

ATM Fee: Out-of-Network (within the U.S.)

Starting at $1.50

Minimum Average Balance to Avoid Monthly Service Fee

N/A

APY (Annual Percentage Yield)

0%(Verified 06/21/2024)

City Bank Commercial Checking Account Review

City Bank Commercial Checking Account is offered by City Bank, a credit union founded in 1941 and based in Lubbock, TX. City Bank Commercial Checking Account is available in 2 states.

Key Takeaways

0% APY. As with most checking accounts, City Bank Commercial Checking Account does not pay interest.
Charges a monthly fee. This account charges a monthly fee of $20.
$250 minimum opening deposit. This is a typical minimum initial deposit.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in City Bank mobile or online banking.

City Bank Commercial Checking Account Pros & Cons

Pros

Cons

Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen

No signup bonus.
Does not earn interest
Does not provide access to a nationwide ATM network.
Only available in 2 states.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

City Bank Commercial Checking Account FAQ

Are business checking accounts from City Bank federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does City Bank Commercial Checking Account offer?

City Bank Commercial Checking Account is not an interest-bearing account.

What are the account minimums for City Bank Commercial Checking Account?

City Bank Commercial Checking Account requires a minimum initial deposit of $250 to open an account.

City Bank Commercial Checking Account Account Minimums

Description

Amount

Minimum Initial Deposit

$250

What fees does City Bank Commercial Checking Account charge?

This account charges a monthly maintenance fee of $20.

City Bank Commercial Checking Account Fees

Description

Monthly Service Fee

$20

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $1.5

NSF Fee

$33

Overdraft Item Fee

Starting at $33

Early Account Closure

Starting at $15

Returned Deposit Fee (Domestic)

Starting at $33

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $33

Foreign Transaction Fee (Debit Card)

Starting at 1.5%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $20

Wire Transfer Fee - International (Outgoing)

Starting at $70

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $33

Wire Transfer Fee - US Domestic (Incoming)

Starting at $10

What features and perks does City Bank Commercial Checking Account offer?

This account includes the following features:

Fraud monitoring - City Bank Commercial Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - City Bank Commercial Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.

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Message from City Bank Commercial Checking Account

Located right at the intersection of big and small, City Bank offers our commercial banking customers the high technology, mobility and advanced cash and credit management service you would expect from a large banking institution. Most importantly, we still provide the convenience and hands-on personal service that only a local community bank can. Don’t limit your business; help it grow with commercial checking services from City Bank. Perfect for larger businesses, our commercial checking accounts provide unlimited transactional items with low per-item fees. These accounts are specially designed to handle the high balance levels and transaction volume of large businesses.

Contact

Headquarters

5219 City Bank Pkwy

Lubbock, TX 79407

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