Commercial Checking Solutions

Time is money. Our checking accounts are designed to help you make the most of every minute. See how the Leading Bank for Business* gives you more.

Commercial Checking

Too many transactions to count? Never. Our Commercial Checking account is built for high-volume businesses like yours, with unlimited transactions and an option to integrate powerful cash management tools.¹

Features

Earnings Credit Allowance
Your balance can save you money on service charges^.2,3

Comerica Business Debit Card
Manage expenses with a secure debit card at no charge.

Overdraft Protection
Secure your account and protect against overdrafts.⁴

See disclosures below for fee and deposit information.^†

Comerica Maximize®

Earn high interest by putting operating cash to work.

Comerica Maximize combines high-yield checking accounts with a powerful package of cash management solutions to protect against fraud and manage your payments, receivables, loans and more.

Earnings Credit Allowance (ECA) allows you to offset up to all checking and cash management fees based on your balance.⁵The more you deposit, the more you earn on excess balances with tiered interest rates.

Learn more for details about how Comerica Maximize can bring your business to the next level.

Additional options

Zero Balance Accounts

Use one account for all your payments that only holds as much as you need to cover payments each day. Funds transfer from your main account each night. Save time and maximize your money automatically. Need multiple zero balance accounts? No problem. We can accommodate complex account structures.

Sweep Accounts

Take the work out of making your money work harder, with a sweep account. Set a target balance, and have funds swept automatically out each day to earn interest, or pay down lines of credit⁷, then sweep back automatically to maintain the target balance and cover withdrawals.

Economic Commentary

*Comerica ranks first nationally among U.S. bank holding companies with greater than $70B in assets, based on commercial and industrial loans outstanding as a percentage of assets, as of March 31, 2024. Data provided by S&P Global Market Intelligence.

¹Refer to the Business Account Service Charges and Interest Information brochure for more information.

² The earnings credit rate and the basis for the rate are subject to change from time to time without prior notice to you. Current rate information is available from your nearest banking center or by calling the Customer Contact Center number.

³ Commercial Checking Accounts may receive an earnings credit allowance which is based on the balances maintained in your Account, less ten percent. The earnings credit allowance is subtracted from your total analyzed activity fees (charges associated with your Accounts and services) resulting in your Service Charge. If sufficient balances are maintained in your Account, the costs of the banking services you use may be covered. The earnings credit allowance may not be used to offset certain fees, such as Paid Overdrafts, NSF Returned Items, Overdraft Interest and fees associated with Sweep accounts.
The earnings credit rate and the basis for the rate are subject to change from time to time without prior notice to you. Current rate information is available from your nearest banking center or by calling the telephone number on the front of your Account statement. Earnings credit is not available for withdrawal. Unless we agree otherwise in writing, earnings credit can only be used for fees incurred during the month covered by analysis. Services may be billed on a consolidated basis and, if requested, presented to you on an Account analysis statement.
Fees will be charged between the fifth and tenth Business Days of the following month.

⁴ Automatic Overdraft Protection is offered on Commercial Checking Accounts. See your banking center for further details.

⁵Interest is earned on the Comerica Maximize Checking average ledger balance for any monthly statement cycle where the Earnings Credit Allowance (ECA) offsets all fees and is calculated and paid through Account Analysis only on balances in excess of those required to offset all checking and cash management fees by the ECA. Complete fees, ECA rates and interest rates are available through a Comerica Treasury Management Officer.

^†Comerica business checking fee information: Activity fees will apply to certain transactions (debits, deposited items and credits), a Cash Deposited Fee will apply to cash deposited, and a monthly account maintenance fee will be applied. Other fees will apply. Minimum Opening Deposit $50.00.

⁷ Loans subject to credit approval.

Checking accounts built for big business.