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Business Accounts and Services

Business Deposit Accounts

Perfect for most businesses!

  • 1,000 FREE monthly transaction items
  • No minimum balance
  • No monthly service charge
  • Up to $10,000 currency deposited per month FREE

Designed for sole proprietorships and not-for-profits

  • 1,000 FREE monthly transaction items
  • Competitive interest
  • Only $1,500 minimum balance to avoid a low monthly fee of $6
  • Up to $10,000 currency deposited per month FREE

For businesses with more complex banking needs.

  • Earning credit allowance on deposit balances may offset activity fees
  • Only $15 monthly service charge
  • Transaction items are just 15 cents each
  • Coin and currency deposits are just 50 cents per $1,000
Flowchart graphic helping customers choose a business checking account. The chart begins by asking if the business will have more than 1,000 transaction items each month. If yes, it directs to Commercial Checking, which includes an earnings credit allowance to offset activity fees, a $15 monthly service charge, 15¢ per transaction item, and 50¢ per $1,000 in coin and currency deposits. If no, it asks whether the business is a sole proprietorship or not-for-profit. If yes, it leads to Business Interest Checking, offering 1,000 free monthly transactions, competitive interest, a $1,500 minimum balance to avoid a $6 monthly fee, and up to $10,000 in free currency deposits per month. If no, it directs to Simply Free Business Checking, which includes 1,000 free monthly transactions, no minimum balance, no monthly service charge, and up to $10,000 in free currency deposits per month. The graphic also highlights included services such as free business debit card, online banking, mobile banking with mobile deposit, eStatements, cash management, merchant services, remote deposit capture, savings plans, and a free thank-you gift. Footer contains disclosures regarding fees, minimum opening deposit, transaction definitions, and Member FDIC and Equal Housing Lender information

Business Checking Flowchart PDF

Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply.  See fee schedule for details.  Bank rules and regulations apply.  Transaction items include all debits and credits.  If the Simply Free Business or Business Interest account exceeds 1,000 free monthly transactions or $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.  Free gift may be reported on a 1099-INT or 1099-MISC.  Free gift provided at the time of account opening.  $10 for debit cards and unused checks from another financial institution given at the time the checks/ debit cards are presented.  

 

Illustration of a person standing between two open doors, appearing to think about a decision. The door on the left is blue with a cloud icon above it, and the door on the right is yellow with a star and arrow icon above it. The person faces away from the viewer with a hand on their chin, symbolizing choosing between two options or paths.

* Compare Business Deposit Accounts *

Business Services

Business Debit Cards That Work as Hard as You Do

Running a business means moving fast. Your debit card should keep up.

Our VISA Business Debit Card gives you secure, convenient access to your business funds—whether you’re paying vendors, managing day-to-day expenses, or making purchases on the go. It’s a simple, powerful tool designed to help you stay in control of your cash flow.

Image of sample of bank VISA debit card.

Why Choose a Business Debit Card?

Instant Access to Funds
Make purchases directly from your business checking account—no waiting, no borrowing.

Everyday Convenience
Use your card anywhere debit cards are accepted, online or in person.

Built-In Security
Card controls, fraud monitoring, and zero-liability protections help keep your business protected.

Easy Tracking
Every transaction is recorded, making expense tracking and reconciliation simpler.

Designed for Business Owners

Your business debit card is more than just a payment method—it’s a management tool.

  • Separate business and personal spending
  • Reduce the need for cash and checks
  • Empower authorized employees with controlled access
  • Monitor activity through online and mobile banking

Mobile & Digital Wallet Ready

Take your business with you.

Add your Business Debit Card to your digital wallet for fast, contactless payments. Manage your card settings, view transactions, and turn your card on or off—all from your mobile device.

Optional: Additional Cards Assigned to your Team

Choose to assigned cards to your team members, individuals in your business or organization to help manage your purchases, reduce the need for reimbursements and for cash and checks.  Same great features—but customized limits for each card, assigned by you.

Business Debit Cards are subject to approval. Card features, fees, and limits may vary. Message and data rates may apply for mobile banking. Please review the applicable account disclosures for full details.

You make the money – we’ll help you effectively manage it

With cash management services you can control your company finances like a pro 24/7.

Benefits you will love:

  1. Process ACH payments on your schedule
  2. Receive ACH payments securely and easily
  3. Simplify record-keeping and reduce accounting errors
  4. Easily schedule one-time or recurring bill pay
Cash Management Details
  • Control over company finances:
    • ACH Payments (such as direct deposit of payroll or accounts payable)
    • ACH Receipts (great for monthly payments made by customers to your business)
    • EFT tax payments
  • Wire funds, hassle free
  • Easy, same-day, safe movement of funds
    • Move money locally, regionally, nationally, or internationally.
    • Schedule one-time transfers or create recurring templates for future use
  • Streamline recordkeeping
  • Cut down on repetition; save time and reduce errors in accounting

Retail associate handing a payment card to a smiling customer at a checkout counter with a card terminal visible; BancCard logo displayed on the image.

Unlock Seamless Payment Solutions with Card Merchant Services

At Commercial Bank of Grayson, we understand that every business has its own unique needs when it comes to handling payments. That’s why we’ve partnered with BancCard to bring you merchant services that are not only secure and advanced but also truly personalized.

Why Merchant Services with BancCard?

  • Tailored for your business: We don’t believe in a one-size-fits-all approach. Instead, we offer merchant services that align perfectly with your business model, whether you’re a bustling retail store or a growing e-commerce platform.
  • Cutting-edge payment technology: Stay ahead with the latest advancements in payment processing technology that supports everything from contactless payments to advanced fraud protection, ensuring efficient processing of credit and debit card transactions.
  • Fast access to funds: With our expedited funding options, you can quickly access your money, helping you manage cash flow and seize opportunities without delay.
  • Around-the-clock support: 24/7 customer support means you’re never alone. Whether you’re facing an issue or need advice, support is there to provide immediate, friendly assistance.
  • Complete payment solutions: Every aspect of credit and debit card processing, including transaction handling, authorization, and network services. The comprehensive approach ensures that all your payment needs are met with precision and security.

Personalized Merchant Services with BancCard

BancCard’s local representatives bring a hands-on approach to your merchant services, supported by Commercial Bank of Grayson’s commitment to excellence. They work closely with you, taking the time to understand your unique business needs and offering tailored advice grounded in their deep industry expertise. You benefit from a blend of attentive, personalized service and reliable, responsive support every step of the way.

Transform your payment processing. Contact us today to explore how we can help you provide your customers with a prompt and reliable payment experience.

Contact any of our New Accounts Specialist or our Business Development Associate: Chad Goodman (chadgoodman@cbgrayson.com, or directly at (606) 475-4137.
Promotional graphic reading “BancCard Real Help. Real People.” with text about support for banks and merchants, alongside an image of a woman holding a phone to her ear, emphasizing one representative and one call for problem resolution.

Deposit Checks Without Leaving Your Office

Take the hassle out of making deposits. With Remote Deposit Capture from Commercial Bank of Grayson, your business can securely deposit checks from your office anytime — no trips to the bank required.

Benefits Your Business Will Appreciate

• Deposit checks quickly from your office for faster processing
• Simple, streamlined deposit process (great for those with several checks to deposit!)
• Secure desktop scanner equipment with easy setup
• Reduced courier costs and staff travel time
• Improved accuracy and fewer manual balancing errors
• Faster access to funds based on standard availability schedules

How It Works

  1. Your business receives check payments by mail or in person.

  2. You prepare your deposit as usual by verifying totals and endorsing checks.

  3. Instead of driving to the bank, you scan the checks using a secure desktop scanner provided by Commercial Bank of Grayson.

  4. The system captures the check images and securely transmits the encrypted deposit file to the Bank.

  5. We process the deposit and credit your account according to standard processing and funds availability timelines.

Remote Deposit Capture provides greater efficiency, improved security, and more control over your deposit process — all backed by the local service you expect from Commercial Bank of Grayson.

For more information or to see if Remote Deposit Capture is right for your business, contact our team at 606.474.7811 or visit any of our locations.

Additional Business Deposit Accounts Available

  • Take advantage of a free business savings account
  • Earn interest in balances
  • Earn competitive interest on balances
  • Enjoy tiered rates with higher balances earning more
  • Take advantage of fixed rates, higher than standard savings
  • Explore longer terms to receive potentially higher rates
  • No setup or maintenance fees

Contact Us

Main Office
208 East Main Street
Grayson, KY 41143

Lobby Hours

Mon – Thurs: 8:30a- 3:00p
Fri: 8:30a – 5:00p
Sat: Closed

24hr Telebanker
Phone: 1 (800)598-4524

Phone: 606.474.7811
Fax: 606.474.2100

Olive Hill Office
155 E. Tom T. Hall Blvd
Olive Hill, KY 41164

Lobby Hours

Mon – Thurs: 8:30a – 4:00p
Fri: 8:30a – 5:00p
Sat: 8:30a – 1:00p

Drive-Thru Hours

Monday – Friday: 7:00a – 6:00p
Saturday: 7:00a – 1:00p

Phone: 606.474.7811

Interchange Branch

109 North Carol Malone Blvd
Grayson, KY 41143

Lobby Hours

Mon – Thurs: 8:30a- 5:00p
Fri: 8:30a – 6:00p
Sat: 8:30a – 1:00p

Drive-Thru Hours

Monday – Friday: 7:00a – 6:00p
Saturday: 7:00a – 1:00p

Phone: 606.474.7811